Once your application is submitted, we will submit it to the lending partner best qualified to give you the maximum approval amount at the best terms. Often, you will receive this decision within seconds. Some lending partners may take longer but you will always get a response by the next business day. If your application is pre-qualified, we may contact you to review the terms and conditions. Once you accept the terms and provide the stipulations if required, our lending partners will disburse the funds directly to the merchant. If your application is denied, you can always resubmit your application with a qualified 2nd applicant.
In many cases applicants have the opportunity to add a 2nd applicant to increase their likelihood of approval. If your credit history is less than perfect it is strongly encouraged that you apply with a 2nd applicant. You may reapply with the 2nd applicant on our website.
If you have or had a credit card, bank loan or auto loan, you have a credit history, which includes a credit score. Credit scores are determined by your credit history and are based upon the balance and duration of existing credit lines, payment history, debt to credit limit ratios, length of credit accounts and types of credit used.