Fast Funding
When your car breaks down, you can't wait days for financing. Get approved and funded the same day with CFNA Financing Apply.
Our streamlined process is designed to get you the money you need as quickly as possible. Here's exactly what happens:
Complete our secure online form in 3-5 minutes. You'll need basic information including ID, proof of income, and bank account details.
Our automated system reviews your application immediately. Most customers receive a decision within 1-10 minutes of submitting.
If approved, you'll receive your loan terms via email. Review the APR, payment schedule, and total cost. Sign electronically when ready.
Once signed, funds are typically deposited via ACH transfer. Same-day deposits are available if processed before our cutoff time.
To qualify for same-day funding, you must:
Submit your complete application by 2:00 PM EST Monday-Friday for same-day processing.
All required information must be accurate and complete. Incomplete applications cause delays.
Must have an active checking or savings account that accepts ACH transfers and is in good standing.
Provide verifiable income and identity documents. Fast verification equals fast funding.
See how our same-day funding compares to traditional lending:
We use ACH (Automated Clearing House) transfers to deposit funds into your bank account. Here's what you need to know:
ACH is an electronic network that processes financial transactions between banks. It's the same system used for direct deposit paychecks and is secure and reliable.
Most customers see funds in their account within:
Our application system is available 24/7/365. While funding is fastest during business hours, you can still apply anytime:
If you apply Sunday evening (after 6 PM EST), your application will be first in queue Monday morning. You'll likely be funded by Monday afternoon - perfect for getting your car to the shop early in the week!
"Applied at 9 AM Monday, approved by 9:15 AM, money in my account by 2 PM same day. Got my transmission fixed that afternoon. Absolutely incredible speed!"
"My car broke down Friday afternoon. Applied Friday night, got approved immediately, and had the money Monday morning. Better than any other lender I've used."
While we strive for same-day funding, it's not guaranteed. Funding speed depends on when you apply, how quickly you complete verification, and your bank's processing times. 95% of our customers who apply before 2 PM EST on business days receive same-day funding.
No! Same-day funding is included at no additional cost. You'll pay the same APR and fees regardless of funding speed.
Nearly all U.S. banks accept ACH transfers. If yours doesn't, we may be able to arrange alternate funding methods, though this typically takes longer. Check with your bank before applying.
The ACH network doesn't process on weekends or federal holidays. Weekend applications are processed and funded on the next business day (usually Monday).
Apply now and get approved in minutes. Most customers funded same day!
Apply for Same-Day Funding💡 Pro tip: Apply before 11 AM EST for best chance of same-day funding