Why Our Loans Arenít Based on Credit But On Your Income

Don’t have a credit history established, or have a low or bad credit?

It can be challenging to find lenders that will approve you if you have a

thin credit file or poor credit, but it’s not impossible.


It’s worth noting low scores don’t always represent how responsible you

are with credit. A low score could just be a result of a short credit

history. If you have a clean history (no late payments, low credit

utilization, etc.), you’ll have an easier time obtaining a loan over someone

who has had delinquencies on their record, but might have a higher score.

Loans are based on income, not on your credit

  • Apply for a loan that fits your needs

  • Get pre-approved based on your past loan history 

  • Pick a store near you, bring your documents** and receive your money as soon as today! 


Sometimes young adults need a starting point. Other times, people need forgiveness for past mistakes or unfortunate circumstances that caused a black mark on their consumer report.

Qualifying for a personal loan based on income only means having a realistic set of expectations. Without using a traditional credit check, the lender must see that you can easily afford the periodic payments.


**Valid Driver’s License or State ID, verification of residence (phone or utility bill), most recent pay stub from the last 30 day, a complete 60 day bank statement or transaction history and a voided check or direct deposit form is needed**

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