I Stumbled upon Promise Financial after checking rate with another company. Promise beat the other company's rate by 3%. I applied after 5:00 PM on a Wednesday and the money was in my account two days later. There were income and ID verifications that I easily did in a few minutes online. I had to upload a paystub, drivers license, a voided check, and a picture of my holding my drivers license. I borrowed $15000 and my rate was slightly above 15%. The processing fee was $750 so I had $14250 to pay off credit cards. My credit score is in the high 600s and all payments on my credit report are on time. I guess it's not higher because of the % of debt owed to credit cards. I'm hoping my score will increase now. My income is about $72000. I would recommend Promise Financial to anyone needing a personal, unsecured loan quickly.