Easy.....so easy. I can honestly say from application process to money in account is the easiest thing I have ever done. Sent the documents needed and an email followed the next day saying approved. Checked the bank and money was there. The only reason I haven't given 5 stars is the interest rate is a bit high. I thought I would never be able to get a loan. These guys don't take that stupid number on a credit report into account, they actually look at you as a human being which feels great. Recommend 100% and very very happy. Great company just what you need if your credit isn't perfect and need a loan.