Borrowers must meet the minimum credit requirements included but not limited to:

BankMobile Borrowers must have a minimum credit score of 700 as reported by a consumer reporting agency. Note, we do not accept applicants who do not have sufficient credit history to produce a credit score.

In addition, there cannot be any subsequent disqualifying events in your credit report from the time the loan was offered to you and closing. Such events include a 25 point or greater drop in your credit score, additional debt obligations, new hard credit inquiries, or having any existing accounts be more than 30 days delinquent. If this occurs, your loan will be declined.

We also check to see how much debt you have in comparison to the income you receive.