DOCUMENT READINESS
Just Now LoanSee what is ready and what still needs an answer
Check the records you have and the questions you still need to ask. A complete checklist is preparation—not approval.
Independent planning tools. No lender application is sent.
Start with the numbersYour preparation checklist
Your entries are planning inputs, not an offer. No personal identifiers are needed.
Illustrative arithmetic, not financial advice, eligibility or a lender offer. How the tools work
The website checklist is not the provider’s rulebook
A lender can ask for information to verify identity, residence, income, bank details and other relevant circumstances. The actual requirements vary with the product and provider. The checklist organizes those categories but does not publish a universal score, income or employment threshold. CFPB — What is a personal installment loan?
No document upload is required here. Mark categories only; keep sensitive records for the verified provider’s secure process.
Match the evidence to the income source
| Income context | Preparation focus | Use a specialized path |
|---|---|---|
| Employee wages | Recent payment evidence and consistency with deposits | General checklist |
| Self-employment | Business receipts, costs and records covering the same period | Self-employed proof pack |
| Gig or platform work | Payout reconciliation and avoiding transfer double counts | Gig-income workspace |
| Non-employment recurring income | Source, continuity and appropriate supporting records | Non-employment income checker |
Different records can support different parts of the explanation. A bank deposit alone does not prove that the amount is recurring earnings, and a checklist does not establish which records a particular provider accepts.
Four banking questions that should not be collapsed
| Term | Question it answers | Different from |
|---|---|---|
| Bank account | Where funds can be held or sent | Whether wages arrive by direct deposit |
| Payroll direct deposit | How an employer pays earnings | How a loan is disbursed |
| Income verification | How a provider checks a repayment source | Whether disbursement uses ACH |
| Disbursement and repayment rails | How money is delivered and payments are made | Whether the user has a particular type of employer deposit |
A claim about loans without direct deposit is incomplete until it says which requirement is waived. This page does not claim that a partner accepts manual statements, prepaid cards or an account without payroll deposits.
Know who is asking before giving the information
Read the provider’s identity and privacy notice, why each category is requested and whether information goes to another company. Do not submit SSN, date of birth, bank login or tax documents simply to unlock a basic cost estimate.
These planning tools do not send form data to a lender. Moving to an external service begins a separate process under that provider’s disclosures.
Ask about credit checks at the relevant stage
Determine whether the action is a rate inquiry, matching request or formal loan application, and what credit inquiry is authorized at that point. Soft and hard inquiries should not be treated as interchangeable. CFPB — Hard and soft credit inquiries
No check-box result here means that a formal application will avoid a hard inquiry. The site does not access your credit file or issue a prequalification.
Read your result as a preparation state
The result can show records selected, missing categories and provider-specific questions still unresolved. “Checklist complete” means you selected the preparation categories; it does not mean a provider has reviewed them.
Use missing categories to prepare the next conversation. Use the payment calculator separately to check what the quote would leave in the budget. Documentation readiness and payment fit are different tests.
Sources and scope
These resources provide general context. They do not establish a provider relationship or an offer through this website.
- CFPB — What is a personal installment loan?General installment-loan explanation; not Just Now Loan product evidence
- CFPB — Hard and soft credit inquiriesCredit inquiry distinction; not this site or a partner inquiry policy
Ready to check your options?
Continue to the dedicated application after you have reviewed the amount, payment and relevant requirements.
Just Now Loan is not a lender. Providers determine approval, rates, terms and funding.