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If I’ve been declined, can I reapply?

Updated over a week ago

Yes, you can reapply—but we recommend waiting until something in your financial situation has changed.

This could include:

  • A higher income

  • A lower debt balance

  • An improved credit score

  • Successfully resolving a verification issue (like uploading correct documents)

Keep in mind that reapplying will trigger another hard credit check, which may impact your credit score.

If you're unsure why you were declined, check your email for a notice from us or the credit bureau outlining the reasons. This can help you understand what to improve before applying again.

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