How long does it take to receive a decision on my application?

Generally, the decision for a credit building loan application can be made within seven business days as it does not need a credit score check or income verification. The decision time could be longer for other loans with underwriting requirements, such as auto, education/training, personal, and business loans. Please expect up to three weeks for receiving a loan application decision.

As a non-profit organization, we have limited resources compared to other financial institutions. Rest assured, we will always review your application promptly. It will expedite our review process if you remain responsive to our questions regarding your application and make sure you have successfully submitted all the required documents on Happy Mango, including having the counselor verification.