Yes — Elite Personal Loans is a direct lender. We originate, underwrite, and service every loan we offer. When you apply with us, you’re working with the lender directly — not a broker, not a matching service. Apply online in minutes, or call us at (401) 812-3776.

Submitting an application through Elite Personal Loans does not affect your FICO® Score. As part of our review, we may obtain information from a non-traditional consumer reporting agency. A hard inquiry may be performed only if you accept a loan offer. Apply online in minutes, or call us at (401) 812-3776.

To process your application, we’ll need a government-issued photo ID (driver’s license, state ID, or valid passport), proof of income (recent pay stubs or bank statements), proof of residency, and an active checking account for direct deposit. Apply online in minutes, or call us at (401) 812-3776.

Most online applications are reviewed by our underwriting team within minutes. If your application requires additional verification, the review can add up to two business days before funds are released. Apply online in minutes, or call us at (401) 812-3776.

Once you sign your loan agreement, approved loans are typically deposited directly into your bank account the same business day or the next business day, depending on the time of approval and your bank’s processing schedule. Apply online in minutes, or call us at (401) 812-3776.

Elite Personal Loans serves borrowers in select states across the United States. Loan availability, maximum loan amounts, rates, and terms vary by state. To see if we lend in your state, start an online application — eligibility is checked instantly. Apply online in minutes, or call us at (401) 812-3776.