Qualifying for Lending Products

Requirements

To qualify for a lending product with Celink Bank, you must: 

• Be a U.S. citizen or current resident (we accept applications from all U.S. states and Washington, D.C.; however, we don't accept applications from the U.S. territories.)
• Be at least 18 years old 
• Have a verifiable bank account

How your application is evaluated 

We look at several factors when reviewing your application, including:

• Information from your application
• Information about you from credit bureaus
• Your credit score
• Other information that predicts the likelihood that you'll make on-time payments until your loan is fully repaid

Applicants who qualify for the lowest rates have:

• A high credit score
• A low percentage of debt compared to income
• A long history of successful credit lines

In some cases, you may need to add a co-borrower to help you qualify. If so, you can simply click Add a Co-Borrower on the application page to start a joint application.

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Related articles

• How Do I Get a Lending Product?
• How Do I Apply for a Joint Loan?
• Documents You May Be Asked to Submit