01APPLY
Fill in the online form
Complete our simple online form in a few minutes. We only ask for what is needed to assess your request — no unnecessary steps.
How it works
How it works — apply, review, get funded.
No runaround, no mystery. Complete a short form, we send a complete offer, you review every number and sign if you're happy. Funds typically arrive within one business day.
The process
From application to funded — four clear steps.
Our process is designed to be fast and straightforward. We only ask for what we need, and we show you the full cost before you sign.
02REVIEW
We review and decide
Micropath Finance reviews your request directly. We are a direct lender — we assess eligibility, set the rate, repayment schedule and fees, then send you a clear offer.
03OFFER
Review your full offer
Before anything is final, you receive the full offer: loan amount, APR, all fees, each payment date and the total repayable. Nothing is agreed until you sign.
04FUNDED
Sign and receive funds
Once you accept and sign the agreement, we process the transfer. Funds are sent directly to your nominated bank account — typically within one business day.
Eligibility
What we look at
Micropath Finance considers a range of factors when assessing your request. You will generally need to meet all of the following.
- Be 18 years of age or older
- Be a resident of a state where Micropath Finance is licensed to operate
- Have a regular source of income (employment, self-employment or benefits)
- Hold a valid bank account in your name for fund transfer and repayment collection
- Have a Social Security number or Individual Taxpayer Identification Number
- Meet our minimum credit criteria — we review your full profile, not just your score
Documents & details
What to have to hand
The form is short, but having these details ready will help you complete it quickly and accurately.
- Your full legal name, date of birth and residential address
- A government-issued ID (e.g. driver's license or state ID number)
- Your Social Security number or ITIN
- Details of your income: source, employer name (if employed) and monthly amount
- Your bank account and routing numbers for the account where you want funds sent
- Contact details: a valid email address and phone number
After approval
What to expect once you sign.
Here is exactly what happens after your loan is approved and your agreement is signed.
Apply now- 01Funds are transferred to your nominated account — typically within one business day
- 02You receive a copy of your signed loan agreement by email
- 03Your first payment is collected on the date set out in your agreement — make sure your account is funded on that date
- 04Subsequent payments are collected automatically on the schedule in your agreement
- 05You can contact Micropath Finance at any time if your circumstances change or you have a question about your loan
We are the lender. Eligibility decisions, rates, terms and funding are all handled by us — not a broker or marketplace. Products may not be available in all states.
Ready to start? Apply now ↗ or browse our loan products ↗.
Common questions
Frequently asked questions
How long does the application take?
Under five minutes for most people. The form only asks for what we need to assess your request.
How quickly will I get a decision?
We aim to review requests as quickly as possible. Decisions are typically made promptly after submission. If we need more information, we will contact you.
Do I need a good credit score to apply?
No. We review your full financial profile — credit history, income, existing obligations and the amount requested. Your credit score is one factor, not the only one.
When will funds arrive after I sign?
Funds are sent to your nominated bank account typically within one business day of signing. Timing can vary depending on your bank.
What do I need to have ready when I apply?
Your personal details, income information (source and monthly amount), bank account and routing numbers, a government-issued ID number, and your SSN or ITIN. No document uploads are needed to start.
What happens if I miss a payment?
Contact us as soon as possible — before the due date if you can. Your agreement sets out the late fee and any grace period. Acting early is always better than missing a payment without contact.
Can I repay early?
Early repayment conditions are in your loan agreement. Review them before signing. Contact us if you want to repay early and we will explain whether you save on interest and whether any prepayment condition applies.
What happens if my application is not approved?
We will let you know. We do not leave applications without a clear answer. If we cannot approve your request we will tell you, and you are free to explore other options.