Loan Qualification Requirements by Loan Type

Every loan product has its own qualification bar. These reference pages show, for each loan type, the credit score, debt-to-income ratio, income, and employment that lenders typically look for, plus the documents you will need and the rate range the product carries. Use them to find out what to expect before you apply.

The three numbers lenders care about

Almost every lending decision comes down to credit score, debt-to-income ratio, and provable income. Secured products such as auto loans, mortgages, and home equity add collateral, which lets lenders approve lower scores. Unsecured personal loans rely on credit and income alone. High-cost products like payday and title loans often skip credit checks entirely, which is exactly why their cost is so high.

Run our Do I Qualify? checker to see your estimated DTI and rate range, then read the page for the specific product you are considering.