Because our application is short and easy to fill out, you can send it to MoneyZap in as little as 5 minutes. Make sure you only have all the information you need ready. Once we get your application, a reliable direct money lender will approve it in as little as 1 hour. Then, if you've already agreed to and signed a contract with your lender, the funds for your application can be sent to your account on the same business day or by the next at most.