To be considered for a SET personal loan you must:

  • Provide proof of income so that we can help you budget an affordable monthly payment.
  • Verify your identity through our online process or by phone.
  • Resolve any bankruptcies.
  • Possess a current, active checking account with a banking institution.
  • Meet our state restrictions.


loans-page_image We don’t approve just anyone…all of our loan offers are subject to credit approval and customer acceptance.

Before you apply for a loan, you should review your monthly budget. If you intend to use the funds for a purchase, make sure the purchase is for something you truly need and is worth the asking price and the financial commitment. Set Financial wants your business but not at the cost of your financial well-being. When you obtain a personal loan from SET Financial, you can be assured that we have your best interests in mind. You can enjoy these benefits with our loans:

  • An installment loan with SET Payments, SET Terms, and a SET Rate.
  • No surprises – we fully disclose and explain all the details of our loan offers.
  • An actual person, directly employed by SET Financial, to help you.

  • 24/7 online access to manage your account.
  • Once you are approved, you can accept your loan offer by logging into your SET Financial account. Loan proceeds will be deposited into your checking account within 12 to 24 banking hours.
  • After your account is activated, you can update your personal contact and banking information, manage your account alerts, chat with a customer service representative, send and receive documents, and even make a payment online or re-apply.

SET Financial has helped thousands of borrowers who know the importance of working with a responsible lender who takes the necessary steps to protect your personal information. We use 128-bit encryption and multi-layer authentication. Plus, we never share your information with third parties. Read our privacy statement.


  • We guarantee that we will do everything in our power to make sure that you have a convenient and helpful experience with us.