Use the Loan Approval Calculator
Calculate Your Approval Probability
How This Tool Works
- 1
Enter your credit score range (300–850 on the FICO scale)
- 2
Input your gross annual income in US dollars
- 3
Specify the loan amount you're seeking
- 4
Select your employment status (full-time, part-time, self-employed, unemployed, etc.)
- 5
The calculator weighs each factor against typical US lender criteria to produce an approval probability estimate
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Understanding Your Results
A high probability (70%+) suggests you meet most US lender requirements. A moderate probability (40–69%) means you may qualify with some lenders but could face higher interest rates. A low probability (below 40%) indicates you should consider improving your credit or reducing your requested amount before applying. Each lender has unique criteria, so these results are estimates—not guarantees.
Responsible Borrowing Advice
Before applying for any loan, ensure you can comfortably afford the monthly payments. Under the Truth in Lending Act (TILA), lenders must disclose all costs, but it's important to do your own assessment too. Use our Loan Calculator to estimate monthly payments and never borrow more than you need. If your approval probability is low, consider building your credit first through our Credit Building Guide.