How it Works
Complete Our Simple Online Application
Start by filling out our quick and easy application form.Securely Connect Your Bank Account
Use Chirp to link your bank account in seconds.Let Our AI Handle the Rest
Our advanced AI will evaluate your application swiftly.Receive Your Funds Instantly
Once approved, your funds are deposited directly into your account.
Throughout the process, we’ll send text messages to guide you every step of the way.
Since everyone’s situation is unique, you may need to complete a brief interview via text messaging to finalize your approval.
See qualifications below to ensure faster account setup and instant loan delivery.
Qualifications
Eligibility Requirements
To qualify for a Fundi Loan, please ensure the following:
Active Bank Account
You must verify a bank account that has at least 30 days of transaction history, with regular usage and direct deposits. Be sure to complete verification via Chirp during account setup.Mississippi Residency & Age
You must be a resident of Mississippi and at least 18 years old.Communication Preferences
During the application process, you’ll need to enable email and text (SMS) communications. This allows us to send you important updates and the necessary information to manage your account.
For guidance on how to complete this section successfully, click here to view a helpful screenshot.
Cost
Fees range from 20% to 21.95% of the amount borrowed.
Example: borrow $100 and repay $120
To learn more about fees click here.
Repayment
Repayment is simple! Payments will be automatically withdrawn on your due date.
If you need to borrow again you can take out another loan instantly!
Disclosures
Military: If you are an active duty service member or a dependent of, we cannot provide you the rate you deserve. Our sincerest apologies, but you are ineligible for this loan at this time.
Returned Payments: No fees for initial failed payments. Payments returned by your financial institution for past-due accounts are subject to a $30 NSF fee.
Fraud: fraud is not tolerated. Being untruthful on a loan application is a crime and may be prosecuted by local, state, or federal authorities.
Hours of Operation
Normal operating hours are Monday thru Friday from 9 am to 5 pm.
Extended hours coming soon: for a small monthly fee you will soon be able to sign up for premium services that include extended service hours, credit advisory and counseling, and additional loan products (e.g. loan consolidation, lines of credit, and lower rates)!
The following is a list of maximum fees allowable for services that may be offered at this business:
Delayed deposit transaction:
$20.00 per $100.00 advanced for checks with a face value $249.99 and under and $21.95 per $100.00 advanced for checks with a face value over $250.00 .
Mississippi law prohibits this business from accepting a fee to renew or extend any delayed deposit transaction. Therefore, a delayed deposit check must be deposited or the check face value paid in full prior to entering into another delayed deposit transaction.
This business is licensed and regulated by the Mississippi Department of Banking and Consumer Finance. If you have any unresolved problem with a transaction at this location, you are entitled to assistance. Please call or write: Mississippi Department of Banking and Consumer Finance, P.O. Drawer 23729, Jackson, MS 39225-3729; Phone 1-800-844-2499.
IMPORTANT!
We Cannot Approve Your Loan Unless You Allow:
EMAIL: We must be able to email you to send you important notices from the State of Mississippi. Please toggle to on.
Text (SMS): We must be able to message you with important updates, system outages, and any questions we may have to facilitate your loan. Please toggle to on.
You may opt-in to more communication methods, but you must toggle on the email and "account-related messages" or your loan will be denied (this pic illustrates how it will look on page one of the application).
