Unlock the possibilities

with financing made simple

For you

Personal loans and Business Loans

Does not impact your credit score

For your business and personal loans

Help more people say yes with affordable monthly payments

Our tech sees more than numbers—it sees you

Our proprietary AI-driven technology shows a truer picture of you as an individual. With decisions in seconds, we make financing possible when it matters most—in the moment, at the point of need.

We’re growing

Since 2015, we’ve provided $7+ billion in loans to help hundreds of thousands of people and businesses thrive. Today we want to build a relationship with products and tools that help you move forward.

Our Story

Our process

We are known for our Uniqueness and Steady responsibility. As we are:

  • Fast Funding: We utilize innovative supporting answers to give quick and trustworthy income
  • Supportive: Our committed and exceptionally prepared help group are accessible whenever you need help
  • The Best Option: Dissimilar to regular banks, we offer you the most ideal choices and benefits of prompt income.
  • Keep Your Privacy: Classic Funding llc won't ever share your private information without your consent.

Frequently asked questions

Who is Classic Funding?
Classic Funding is a provider of unsecured personal loans for consumers serving FICO® scores up to 850. Through proprietary technology and algorithms, we’re driving a better lending and borrowing experience by finding more reasons to say “yes.” After serving hundreds of thousands of consumers, we’ve expanded into small business, and merchant point-of-sale lending solutions to further unlock access to affordable loans.
How does Classic Funding keep my personal and bank information safe?
Classic Funding takes extensive precautions to protect your personal information. We use robust industry-leading procedures and safeguards, including encryption, to secure and protect your personal information. Further information regarding Classic Funding’s security policies and procedures can be found here: Terms of Use
Does applying impact my credit score?
Providing your basic information to view loan options does not impact your credit score. To determine how much you could qualify for, we conduct a “soft pull” of your credit. If you select a loan option and continue your application, we require a “hard inquiry” to verify the information you’ve provided on the application for final loan approval. This “hard inquiry” will be seen as an inquiry on your credit report.
What is the eligibility criteria for a Classic Funding loan?
To be eligible for a Classic Funding loan, you must:
  • Be 18 years or older
  • Be able to provide a U.S federal, state, or local government-issued photo ID
  • Have a social security number
  • Have a minimum annual income of $35,000 (from employment, retirement, or some other source)
  • Have a verifiable personal banking account in your name
  • Not reside in Nevada or West Virginia
How much can I borrow?
Our personal loans range from $2,000 to $50,000. The loan amount you may be approved for depends upon your individual credit profile and the information you provide during the application process. The maximum loan amount offered is based upon what is believed to be affordable for you. We take several factors into consideration including your current DTI (debt-to-income ratio) and PTI (payment-to-income ratio).
What’s the status of my loan application?
If we request additional documentation to complete your application, you’ll be notified of a decision within one to three business days once the information is received. You can check the status of your application by calling Customer Support at (463) 500-3704.
Why was my application declined?
If your application was turned down, you’ll receive an email regarding the decision, including how to get a statement of specific reasons.