Must have the following items:

1. You must be at least 18 years of age
2. You need to have an open bank account in your name
3. You must have a working email address and phone number
4. You must be a U.S. citizen or permanent resident
5. You must not be active military
6. You must receive regular income
7. You must not be in open bankruptcy
8. Income must be direct deposited into your bank account

To be approved for a loan you need to meet the minimum requirements. We will evaluate your application and determine whether you are eligible for a loan.

The funds are electronically deposited into your bank account.

We accept and process applications 24 hours a day, every day of the year. However, once your application is submitted it may require additional verification which can only be done during normal business hours. Please keep in mind that we can only electronically deposit money to your bank account on days when your bank is open.

4Ward Funds can help you get up to $1,500 based on the information that you provide to us on our quick and easy loan application. We may offer you a smaller loan until you establish a payment history with us.

Funds are restricted to checking accounts only.

The cost of the loan and the APR depends on your application. The terms are disclosed in the application process when you are directed to our website. At this point you have NOT accepted the loan. If, when the terms are disclosed, they are not acceptable to you, do not sign the agreement.

The best way to minimize the cost of your loan is to pay the loan off early. You can pay more than scheduled amount, make extra payments, or pay the balance in full as soon as you are able.

Our costs are straightforward. For details on Fees and Rates, please go to our Rates Page

The process is 100% online — no paperwork, no waiting rooms. Our streamlined application is designed to meet tribal regulatory requirements while staying fast and easy. Most people complete it in just a few minutes.

To qualify, you must:

• Be of legal age to enter into a contract
• Be a U.S. citizen or permanent resident
• Have a valid checking account
• Show a steady income source
• Provide a valid mobile number and email address

As long as you can show consistent income, you may still qualify.

Yes, we may perform soft credit checks using national databases. A less-than-perfect credit history won't automatically disqualify you.

You’ll need:

• A working mobile number
• Bank account info
• Access to online banking

Whether you applied directly with 4Ward Funds or were redirected here from another lender, we request your online banking login to securely verify your bank account and confirm your income. This allows us to make responsible lending decisions, prevent over-borrowing, and give you a faster decision. Your banking information is accessed in read-only mode through a secure, encrypted connection. We cannot make any changes to your account, and your login credentials are never stored.

No one — not even us. Your login information is encrypted and securely transmitted to trusted third-party platforms like Edge Score, Plaid, or MX which only accesses your account in read-only mode. We can view your banking data to verify your account, but we can’t make changes or access your credentials.

Your bank data is used to verify your income, confirm your account status, and assess your ability to repay. Your login credentials are never stored. Account data is accessed securely in read-only mode and used only to process your application and manage your account.

It’s best to review your bank's T&Cs. That said, your data is encrypted in transit, and we only access it on a read-only basis with no control over your funds.

Just a few minutes. Most applicants receive a decision within an hour on business days.

4Ward Funds is an online-only service and cannot accept applications over the phone. If you need help with your online application, contact us: Phone: 800-860-2441, Email: support@4wardfunds.com

We’ll send your funds via ACH. If approved before 11:30 AM PT on a business day, you’ll usually receive them the same day. Otherwise, by the next business day.

Due to the federal Military Lending Act, we cannot lend to "Covered Borrowers," including active-duty service members, their spouses, or dependents. You must confirm you are not covered under this Act to qualify.

Contact us immediately. We may be able to set up an alternate payment plan to help you avoid fees.

Payments are typically debited from your account on the morning of your scheduled due date, depending on your bank’s processing times. In some cases, if there’s an issue with your bank or insufficient funds, the debit may occur a few days later.

Payments can be made via:

• ACH
• Debit card
• Electronic Check

Absolutely! No prepayment penalties. In fact, early repayment could mean a reduced payoff amount.

Yes, after repaying your existing loan. Returning customers may qualify for larger amounts, lower rates and longer terms — up to $1,500.

Sometimes things go wrong. If you have an issue we want to make it right, contact us at: Phone: 800-860-2441, Email: support@4wardfunds.com
We aim to respond within 48 hours, provide status updates, and resolve your issue as quickly as possible.