What A State Status Means
A state selector should show the correct path, not a universal yes or no
| Status | What It Means | Correct Next Step |
|---|---|---|
| Available | A current participating provider and product path may be supported for the selected state. | Show the exact product category, role disclosure, request path, and current terms source. |
| Conditional | The path may depend on residence, product, amount, channel, applicant category, or another stated condition. | Display the condition before the CTA and avoid universal availability language. |
| Alternative product | The requested structure may not be available, but a different product path may exist. | Name the different product accurately and require a separate cost and repayment review. |
| Temporarily paused | A previously supported path is not currently accepting requests. | Remove the product CTA until the current status is confirmed. |
| Unavailable | No current participating-provider path is supported for the selected product and state. | Do not collect a full application for that product; provide neutral alternatives or support information. |
| Under review | The available evidence is incomplete, conflicting, or no longer current. | Do not treat the path as available until verification is complete. |
Availability, Eligibility, And Funding Are Different
| Stage | What Happens | What It Does Not Guarantee |
|---|---|---|
| State/product path | The system identifies whether a participating-provider route may exist for the stated residence and product. | It does not establish individual eligibility or final terms. |
| Request submitted | The consumer provides information under the displayed consent and privacy terms. | It does not create a loan application with every recipient or guarantee a response. |
| Matched or referred | The request may be shared with one or more participating recipients under the disclosed model. | A match is not approval and does not establish a lender relationship. |
| Provider review | A provider may verify identity, residence, income, bank information, credit or alternative data, and other criteria. | Review can end without an offer or with terms different from the request. |
| Offer presented | A legal lender provides specific amount, cost, schedule, and disclosures. | The offer is not funding until accepted and remaining conditions are completed. |
| Funds posted | The lender releases funds and the receiving bank or payment rail completes posting. | Approval alone does not guarantee the posting date or immediate availability. |
What Can Differ By State
The same search phrase can lead to a different lawful product or no current path
| State-Specific Factor | What May Differ | What the Consumer Should Verify |
|---|---|---|
| Product structure | Closed-end installment, single-payment, short-term, cash-advance, or open-end structures may not be available through the same providers. | The legal product name in the agreement, not only the marketing label. |
| Provider coverage | A participating provider may operate in one state, pause another, or support only selected products. | The exact legal entity, current role, and state/product applicability. |
| Amounts and terms | Requested amounts, permitted term structures, and payment frequency can differ. | Offered principal, amount financed, net proceeds, number of payments, and due dates. |
| Rates and fees | APR, finance charge, origination, subscription, expedited-transfer, late, or returned-payment charges may differ by product and provider. | Every mandatory and optional cost in the actual disclosure. |
| Underwriting and documents | Residence, identity, income, bank, credit, or alternative-data requirements can differ. | The provider criteria, inquiry type, data source, consent, and requested documents. |
| Funding and servicing | Transfer method, cut-off time, posting, servicer, payment recipient, and complaint path can differ. | Who releases funds, services the account, accepts payments, and handles disputes. |
Ready to check potential loan options?
Start My RequestSubmit one request, then review the actual lender, cost, payment schedule, and total repayment before accepting.
Know Who Is Responsible
| Party | Typical Role | What to Confirm |
|---|---|---|
| TheProBank | Receives an online request and may route information to participating providers or service partners under the current consent. | Operator role, recipients or recipient categories, purpose, privacy terms, and whether marketing contact may occur. |
| Participating provider | May receive, verify, or evaluate the request, or direct the consumer to a separate application process. | Legal name, role, state/product coverage, inquiry stage, and contact information. |
| Legal lender or creditor | Decides whether to extend credit and sets the actual amount, APR, fees, term, schedule, and disclosures. | Legal entity, product, state, agreement, applicable authority, and official support channel. |
| Funder or payment rail | May release or transmit funds after acceptance and completion of conditions. | Transfer method, timing, fees, cut-off rules, and bank-posting uncertainty. |
| Servicer or payment recipient | Maintains the account, posts payments, provides payoff information, and handles servicing issues. | Account number, due dates, authorized payment methods, support, dispute, and complaint routes. |
Before You Submit Or Accept
Use a two-stage review
Select the correct state of residence and requested product.
Confirm the legal lender, product name, state, and servicer.
Review TheProBank’s role, privacy terms, recipients, contact permissions, and inquiry disclosures.
Compare principal, amount financed, deductions, and net proceeds.
Do not provide unnecessary sensitive data before the state/product path and recipients are explained.
Review APR, finance charge, every fee, payment amount, frequency, due dates, and total of payments.
Use accurate residence, identity, income, and account information.
Review funding conditions, ACH or debit authorization, early payoff, late, returned-payment, default, and complaint terms.
Stop if the page implies nationwide approval or hides the product and responsible entity.
Save the complete agreement and disclosures before signing.
Frequently Asked Questions
Ready to check potential loan options?
Start My RequestSubmit one request, then review the actual lender, cost, payment schedule, and total repayment before accepting.
Final Call To Action
Check possible options for your state
Provide accurate residence and request information, review consent and inquiry disclosures, and compare any actual offer using the legal lender, product, amount received, APR, fees, payment schedule, total repayment, and state-specific terms.
Check potential options through one online request
Start My RequestReview every provider disclosure before deciding whether to accept.
Ready to continue?
Start My RequestStart One Online Loan Request
Check whether participating providers may have an option. Review the actual lender agreement before accepting any credit.