Credit score requirements
Personify Finance does not publish a hard minimum credit score. Our platform looks at your complete financial picture — not just FICO. Approved profiles include:
Instead of a single cutoff, we evaluate: income stability, employment history, banking patterns, debt-to-income ratio, and ability to afford the monthly payment.
Income requirements
Verifiable income required from at least one source:
Verify with pay stub, benefits award letter, or secure one-time bank connection.
State availability
Personify Finance loans are offered in most but not all U.S. states. Availability can change — the best way to confirm is to check your rate (free, soft pull, few minutes).
Reasons an application might be declined
- Verifiable income supports payment
- DTI within program limits
- Active checking account
- Valid government ID
- State is served by Personify Finance
- Income insufficient for payment
- DTI outside program limits
- Recent bankruptcy on file
- Recent charge-off/default
- Unverifiable identity or income
- State not served
If declined, you'll receive a federally required adverse action notice with reasons — so you can address them and reapply later.
What to do if you're declined
Being declined is not the end of the road. Common next steps: review the reasons given in your adverse action notice; check your credit report for errors (free at AnnualCreditReport.com); work on reducing your debt-to-income ratio; and consider a secured credit card or credit-builder loan to establish positive history. You can reapply with Personify Finance after your situation has materially changed.