Bank of Wedowee is a financial market place that assists individuals in securing loan opportunities in a fast and secure way. We are not a lender. It is our duty to make the borrowers meet licensed partner lenders who undertake the underwriting, approvals and funding. Our emphasis is placed on clarity, privacy, and responsible lending so that you will be able to compare and select the option that best suits your interests.
Our Mission
Our mission in the Bank of Wedowee is straightforward, assisting people to overcome short-term financial difficulties with transparency and respect. We create speedy and safe routes enabling borrowers to shop around with various lenders without the repetition of the cumbersome paper work. In our opinion, having easy to find and trustworthy information, along with transparent lending decisions, makes people capable of making better financial decisions.
Similar to all other consumer-oriented services, we are going to integrate modern technology with the community principles: quick matching, transparent disclosures, and referring to safer alternatives where needed. If you’re researching immediate options, you can learn about our emergency solutions on our Emergency Loans page or read about secured options on our Title Loans page.
What We Do
A Loan Matching Service (Not a Bank)
We are neither a direct lender nor a bank. Like the disclosures employed by most of the major marketplace sites, we are to gather standard information about the application (with your permission), send the information to the partner lenders in a secure manner and display offers which the partners offer. The lender who issues the loan makes final decisions on loans, terms and financing.
What that means for you:
- We assist you in the comparison of offers of several lenders without sending several different applications.
- We provide secure information transfers and due diligence so that we can get partners who can be of help to you.
- Before accepting an offer, you will always see APR, fees, and repayment terms of the lender.
- The party which approves, issues, and services any loan is the lender (not Bank of Wedowee).
How Our Process Works
We designed our process to be fast, transparent, and secure. Below is a short table that shows the typical flow and what to expect.
| Step | What happens | Typical timing |
| 1. Quick Request | You enter basic info (name, income range, bank account) and consent to matching. | 2–5 minutes |
| 2. Prequalification | We check partners for potential matches (soft checks where available). | Seconds–minutes |
| 3. Offers Presented | Partner lenders that matched your profile show offers (APR, term, fees). | Minutes |
| 4. Select and Verify | You pick an offer, complete lender verification (ID, income docs). | Minutes–48 hours |
| 5. Funding | The lender completes underwriting and deposits funds per their process. | Same day–several business days |
We surface clear “how it works” details at each step so you know what to expect and which party is responsible for each action.
Our Values
We model our approach after trusted consumer finance firms, mixing product utility with human-centered values. Our core values are:
How We Choose Lenders (Selection Criteria)
We only work with lenders that meet core standards. Our selection criteria include:
| Criterion | Why it matters |
| Licensing | Ensures legal protections and state supervision |
| Disclosures | Lets you compare true cost of borrowing |
| Customer support | Ensures you have help after funding |
| Security | Protects your sensitive information |
| Reputation | Reduces risk of predatory practices |