Yes, you can reapply — but only after 90 days, and we recommend waiting until there’s been a change in your financial situation.
Examples of changes that may improve your chances:
Higher income
Lower debt balance
Improved credit score
Resolving a verification issue (e.g., uploading correct documents)
Please note: reapplying may trigger another hard credit check, which can affect your credit score.
If you’re unsure why you were declined, contact Reach Support for details:
Reach Support
E-mail Reach at: [email protected]
Call Reach at: 800-606-8200
Customer Service Representatives are available Monday - Friday | 8 AM EST to 8 PM EST