From “I need it” to funded — in about a day.
A transparent, five-step path with no surprises. Here’s exactly how a Northstar loan works from start to finish.
The application
Five simple steps to apply
The form is broken into short, digestible steps with real-time validation so nothing trips you up.
- 1
Tell us about you
Share your personal details — name, contact, and address — in a clean, guided form.
- 2
Add employment & income
Let us know your employment status and monthly income so we can tailor your offer.
- 3
Connect your bank
Securely link your account through Plaid. We never see or store your banking password.
- 4
Add a reference & consent
Provide one reference and review the required legal consents.
- 5
Submit & track
Get your Application ID instantly and follow every milestone in your status portal.
After you submit
The 5-stage loan lifecycle
Every application advances through these milestones. You’ll see your current stage — and get an email and text — each time you move forward.
- 1
Application Submitted
Your details are safely stored. Next, connect your bank to verify your account.
- 2
Phone Verification
A loan specialist will confirm a few details with you by phone.
- 3
Sign Agreement
Review and e-sign your loan agreement from this portal.
- 4
Verification Deposit
A small micro-deposit confirms your routing details before funding.
- 5
Funded
Your funds are on the way — typically within 24 hours via ACH.
More about the process
How long does the whole process take?
Most applicants complete the application in under five minutes. After final approval, funds are typically sent within 24 hours via ACH.
Why do you ask me to connect my bank?
Connecting your bank through our secure aggregator (Plaid) instantly verifies your account and routing details, which speeds up funding and protects against fraud. Your online-banking credentials are entered directly into Plaid and never reach Northstar.
What happens after I submit my application?
You move through five clear milestones: Application Submitted, Phone Verification, Sign Agreement, Verification Deposit, and Funded. You can watch your progress any time on the Loan Status page.
$2,000–$10,000 · 10% fixed APR · No upfront fees
Ready when you are.
Check your amount with no upfront fees and no impact to start. Most applicants finish in under five minutes.