1. What’s your current credit score?

For example, If you have today’s score and it is higher than your previous score you could be eligible for a lower rate or more money.

Knowing your credit score before you apply is one of the most important pieces in any credit application. It can help you apply to the right institution, get the best rate, lower your payments, and assist in speeding up the loan approval process by educating you on which product to choose.

We strongly advise that you identify your credit score before starting your application. If you already know your credit score, that’s great too as you’re one step ahead in the process and that much closer to obtaining your unsecured personal loan.

We are here to assist you in all aspects of the loan process and believe that understanding your credit history and your credit score is important. When you know your credit score, you are sure to make the right financial decision for your needs.

2. Have this additional information available

• The date you obtained your current credit score?
• The total amount of your monthly bills?
• Have you filed for bankruptcy in the last 2 years?
• Have you missed payments in the last 2 years?

3. You will be assigned a personal representative

Be sure to check your email. You’ll be working with a Loans Now representative during this process. If necessary, they may call to introduce themselves. They can’t accept questionnaires or make decisions over the phone. They’ll also be sending you an email which lists the next steps you’ll need to take if required.  Once you receive that email, review it. It will describe what you need and include a link so that you can proceed to the Final Phase of the Loan Discovery process. It may take a minute, so that will allow you to gather the requested items or you can just relax if you already have the necessary information requested above.