Our primary means of funding your personal loan is through a bank wire (or wire transfer).  A bank wire  is an electronic transfer of funds from one bank to another that is executed on an one-to-one basis, rather than in large batches. Transfers are processed through FedWire, the funds transfer system operated by the Federal Reserve Banks.  Bank wires are the fastest way to transfer funds between accounts through the banking system.  Depending on the receiving financial institution your account may be funded within a few minutes (larger institutions), others (smaller credit unions) take several hours. However, some financial institutions do not belong to the FedWire system.  It is important to check that your bank offers incoming domestic wire transfers to your account. This may delay the funding of your personal loan.  If this is the case we still may be able to ACH transfer the funds to your account.  ACH stands for "Automated Clearing House" and is an electronic funds transfer network that connects US banks.  The same network that our paper checks are processed, however much quicker because it is all done electronically.  This type of transaction will take 1-business day to fund your personal loan.