We are strongly committed to help our customers achieve financial stability. We approve loans only when we're confident the borrower can sustainably afford it. Our underwriting is a mix of machine and human, and the exact way we underwrite is our secret sauce.
Here are some tips to have a successful application and improve your chances of approval:
- Apply with the bank account where your income is deposited and used for greater than 60 days.
- We like to see consistent income deposits (at least $1,400 in monthly direct deposits)
- Bank account has a positive balance at the time of application
- A lot of NSF fees and returned checks lower our underwriters' confidence