What lenders look at
- Your credit score and payment history
- How much of your available credit you're using
- Your debt compared to your income
- Recent late payments, collections, or major credit events
Before you apply
- Check your credit reports for errors
- Pay down revolving balances if you can
- Avoid opening new accounts or making big purchases
- Keep paying everything on time
If your score isn't where you want it
That's a good time to talk, not a reason to wait quietly. A few targeted steps over a few months can sometimes open better options.
The bottom line
Imperfect credit isn't the end of the conversation. It's the start of a plan.
This is general information, not financial advice or a commitment to lend. All loans are subject to credit approval, and programs vary by lender and eligibility.