Use the Loan Eligibility Checker
Check Your Loan Eligibility
How This Tool Works
- 1
Enter your gross annual income in US dollars
- 2
Select your credit score range
- 3
Enter your total monthly debt payments (rent, car, credit cards, etc.)
- 4
Specify the loan amount you need
- 5
The checker calculates your debt-to-income ratio and matches against US lender criteria
Ready to Compare Your Options?
Get matched with top lenders in minutes — checking your rate won't affect your credit.
Understanding Your Results
Results show whether you're 'Likely Eligible,' 'Possibly Eligible,' or 'Unlikely Eligible' along with the estimated rate range. A DTI ratio below 36% is ideal for most US lenders. If you're 'Possibly Eligible,' you may qualify with online lenders or credit unions that have more flexible criteria.
Responsible Borrowing Advice
Being eligible doesn't mean you should borrow the maximum amount. Only borrow what you need and can comfortably repay. Use our Loan Calculator to check that monthly payments fit within your budget. Responsible lending practices start with honest self-assessment of your ability to repay.