TEST Due to the upcoming bank holiday on Wednesday, 1/1, our support team will be unavailable, and payments due 1/1 may be affected. If you wish to make any payment modifications for Wednesday, 1/1, please do so by Monday, 12/30.

Customers approved after 12:00 p.m. CST on Tuesday, 12/31 through 11:59 a.m. CST on Thursday, 1/2 may be funded as soon as Thursday, 1/2.

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Credit Scores

Most major financial purchases will require you to have a credit score.

Lenders use credit scores to determine a borrower’s creditworthiness by evaluating how likely you are to repay a loan. Generally, the higher your credit score, the more favorable your loan terms and interest rates will be. If you have a bad credit score, it may be harder to qualify for a loan, credit card, mortgage, or even a car loan.

Some of the factors used to determine your credit score include your credit utilization ratio, debt, payment history, and the length of your credit history.

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.