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Understand your options.

Straightforward explanations to help you understand the process and ask the right questions before borrowing.

What does a credit check look at?

A credit report can include your existing debts, available credit, payment history, and collection records. This information helps lenders assess repayment risk.

Outstanding debts and balances you still owe.
The unused portion of your credit limits.
How you have repaid past and current debts.

How does bank verification work?

Instant bank verification uses a read-only connection to help confirm income and banking activity. It can replace the need to send paper statements.

Verification takes place during your application.
A read-only connection cannot make transactions.
The lender uses this information to review your application.

What should I review before accepting?

Read the complete offer and agreement before you commit. Your payment schedule should show the amount and date of each payment.

The amount you receive and total amount to repay.
The interest rate and any applicable fees.
Payment dates and what happens if a payment is late.

What does a cosigner arrangement involve?

Some applications may require a qualified cosigner. An introduction to an independent service is separate from the lender’s approval decision.

Review the responsibilities in the agreement.
Cosigner fees are separate from your loan agreement.
Ask questions before signing either agreement.

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