Crawl Space Ninja Financing Get A Free Quote Totally Unsecured Loans Your home is not used as collateral, so there's no lien on your property. Information Protected Your personal information is given directly to the bank. Fixed APRs Fixed interest rate locked in for the life of your loan. FDIC-Insured Bank You deal directly with the bank, not a finance company or loan broker. No Early Pay Off Penalty Pay your loan off early and never pay a fee. Fast Approval Most loans are approved over the phone in minutes. Are You Ready to Get Started? Schedule Your Free Assessment Let's Go Frequently Asked Questions How long does the approval process take? Expand Most loans are approved over the phone in minutes. What is the bank's credit approval rate? Expand About 80% of our loan applications are approved but last year Crawl Space Ninja had a 94% approval rate. How long is my credit commitment good for? Expand Good for 120 days from application date. What is an unsecured loan? Expand An unsecured loan means there is no collateral or lien on your house. Is there a penalty for paying off my loan early? Expand No, there is no penalty. What types of home improvements qualify? Expand Many interior and exterior home improvements qualify.