From application to paid off, one step at a time.
Five minutes to apply, a decision in minutes, money in as fast as an hour, and a year of payments that take care of themselves. Here's the whole journey, in order, with nothing skipped.
Fill out the form.
Name, address, date of birth, Social Security number and contact details, plus your employer and your take-home pay per paycheck. It's a phone-sized form, not a mortgage application.
Prequalification shows you an offer first; the full credit check happens when you submit the complete application.
Verify your identity and income.
Instead of uploading pay stubs, you connect your payroll provider securely through Pinwheel or Argyle. That verifies your job and income instantly and, for CC Connect, sets up the split direct deposit that will repay the loan.
- Government-issued ID and SSN for identity
- Payroll login for income and employment
- Checking account and routing numbers for funding
- Debit card for the fastest CC Flow funding
Review the details and decide.
Quill Bank reviews employment, income and credit; most decisions come back in minutes. Your agreement shows the amount, the APR, every payment date and the total cost. Sign only if it's right for you, then confirm the payroll split with a screenshot.
Not sure of the numbers? Run them in the calculator first.
Get your money.
CC Flow advances reach your debit card in as fast as one hour. CC Connect loans are deposited to your checking account within about 24 hours once the split is confirmed. Weekend and holiday applications fund the next business day.
Repayment runs itself.
A slice equal to your payment comes out of each paycheck; the rest arrives as usual. Interest accrues daily, so any extra payment shortens the loan, and there's no penalty for finishing early. After about 90 days of on-time payments you may see a refinance offer.
Paid off.
The account shows $0 and closed. Ask your employer to remove the Lendly deposit so your full paycheck returns to you; any slice that arrives after payoff is refunded. Need to borrow again? The refinance path is there, one loan at a time.
- Confirm the balance reads $0 and the loan is closed
- Remove the payroll split with HR or your payroll portal
- Keep your final statement for your records
- Line of credit customers: bring the balance to $0 before a cycle closes to stop fees
Process questions, answered.
How long does the Lendly application take?
About five minutes on your phone: personal details, a secure payroll connection to verify income, and a decision that usually comes back in minutes.
How is income verified?
Through a secure connection to your payroll provider (Pinwheel or Argyle) rather than uploaded pay stubs. For CC Connect this also sets up the split direct deposit.
When do I get the money?
CC Flow advances can reach a debit card in as fast as one hour. CC Connect loans typically fund within 24 hours after the payroll split is confirmed and you've signed. Weekend and holiday applications fund the next business day.
Does Lendly report to credit bureaus?
Lendly states that on-time payments may help build credit, which indicates payment history is reported. Check your agreement for the bureaus involved; missed payments can hurt your score.
What happens after the loan is paid off?
The account shows $0 and closed. Remove the payroll split with your employer so your full paycheck returns to you; any slice that arrives after payoff is refunded.
Seen the whole road? Start at step one.
Five minutes, no paperwork, and the full cost in front of you before you sign.