Credit Profile
Since we evaluate applications holistically based on a variety of factors, there isn't a specific credit score that guarantees approval. Most approved applicants typically have scores in the good to excellent range. That said, credit decisions consider much more than just your score, including:
- Your income and employment stability
- Debt-to-income ratio
- Credit history (e.g., payment patterns, length of credit, and types of accounts)
- Recent credit inquiries and overall financial profile
If your score is lower, strong performance in other areas can still lead to approval. We recommend checking your credit report for accuracy, paying down debts, and completing an application with us as our application utilizes a soft inquiry to review your credit report.
Here are a few other things you'll need:
- You must be at least 18 years old (19 in Alabama)
- A valid government-issued photo ID
- A Social Security Number
- A physical U.S. address (no P.O. Boxes, please)
- A valid email address and working mobile phone number for important updates
While we serve most of the U.S., we currently cannot provide financing to residents of New Hampshire, Vermont, Puerto Rico, or the U.S. Virgin Islands.
Ready to apply?
Here's what you'll need:
- Find your provider on our search website
- Have your personal details ready: your date of birth, the last four digits of your SSN, your physical mailing address (no PO Boxes, please!), yearly gross income, and monthly housing cost
- Just a friendly reminder: before you apply, please ensure any credit freezes on your profile are temporarily lifted
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