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I found a video about Quicken letting folks know about the HARP Program. That program helps homeowners who are underwater on their mortgages refinance. This program doesnt work for everyone so check out the HARP guidelines and see if you qualify. Step 2: Review Your Loan Approvals Applying for an installment loan online is an easy process that takes up to 10 minutes, utmost. Once a favorite or decided website is chosen, a free application form is provided for one to fill up some personal details. Some of these details include employment information, phone number, email address, bank account details and other private information. Some websites will require faxed documents whereas others will not require them.