Personal loans: what underwriters look at
Unsecured loans decided on the individual: score tiers, the last twelve months, income, and existing balances.
A personal loan is underwritten on you, not a business. No entity, revenue history, or collateral is required.
The tiers
- 740+ with meaningful existing credit limits: the strongest position.
- 680+: a strong start.
- 640+: situational; the rest of the picture decides.
What weighs most
- Negative marks in the last twelve months
- Large balances on existing personal loans
- Documented income (W-2, 1099, or tax returns)
TK Capital Solutions is a funding brokerage, not a lender. Requirements vary by lender and program; nothing here is a promise of approval, amount, or timing.
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Educational content only; not financial, legal, or tax advice. TK Capital Solutions is a funding brokerage, not a lender.