What if I don't have income yet? Got a new job or lost my job recently.

Because we don't use your FICO or traditional credit scores when evaluating your application, we strictly require 3 months of direct deposits in your banking history. We are unfortunately unable to consider job offer letters when assessing your application.

If you are a returning customer and you recently got a new job, we may be able to process your application without 3 months of direct deposits. We would ask for your bank account to show at least 1 month's worth of direct deposits so our underwriting team can understand your monthly income.

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