Fill out the application. Your profile determines whether you qualify and on what terms.
Loan amount
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The amount you want to borrow. Larger amounts carry more risk for the lender and may result in higher rates or stricter eligibility requirements.
Credit score
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Your FICO score is the single most influential input in most underwriting models. It summarizes your credit history: payment behavior, utilization, account age, and more.
Annual income
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Income determines your ability to repay. Lenders use it to calculate your debt-to-income ratio and assess whether monthly payments are manageable relative to what you earn.
Employment type
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Employment type affects income stability. W-2 employment is the most predictable; gig and self-employed income is harder to verify and more variable, which lenders treat as higher risk.
Education
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Education is used as a proxy for income stability and earning potential, particularly for thin-file borrowers with limited credit history. It is a weaker signal than credit score or income.
Approved
Loan amount
APR
Monthly payment
This is a simplified simulation for illustrative purposes only. Rates, terms, and eligibility decisions are modeled approximations and do not reflect any real lender's criteria. Not financial advice.