This was the most painless loan I've ever applied for and I've applied for some loans in my short years of credit haha. I'm 22, have a credit score of 726, currently have a car loan with 11k left on it, 4 credit cards with about 40% util, a a tiny school loan for 3k that just started. I have no mortgage or rent which is probably a huge factor for them. Income of around 46k, tends to range higher I'm in sales. I claimed the lowest though. Applied online, spoke with the representative for about 15 minutes. That was on Monday. It is Thursday and the money was deposited this morning. Painless. No incriminating questions, No income verification. Nothing. Just say hey need loan for this and how much and they said ok. That simple. I have a credit card with Discover btw for 4 years if that makes any difference too and no late payments ever and paid off car loans in the past. Not just a good score on my side tremendous history for my age. Just for anyone's interest
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On (7-25-16) I put in for a loan 5,000 Dollar's My Score on FICO is 734 I have (5)credit cards 2 capital one Cards 5,000 limit I also have Kroger's 1-2-3 Rewards credit card 1,000 limit on that card & I have a Target card it's only $600 limit I've had these cards alittle over 2yrs Now I've always paid My cards two week in advance each month I never go over my percentage on each card which is about 10%..I got a personal Loan from another company called Avant a year ago it was only for a 1,000 Dollar's they put a 3year Contract on it But I went ahead & paid it off in a Year just to show Leander I am responsible..But anyway what I'm getting @ is I said to Myself I want to get another Loan So I want to see what loan company could give me a low interest rates for $5,000 Avant who I went to @ first I tried them But it was still alittle high for what I was looking for..So I came here to Discover Loan I put my information is on the website they gave me a confirmation number told that they could give me a loan.(one thang I didn't like about them checking My credit score after they done that my score went down 7 Freaken points)..so I called them talk to a guy over the phone I gave him my confirmation number the website gave me after filling out the application he told me yes we could give you that $5,000 loan with a 10% interest rate which was fine with me $166 a month as he proceeded to the final Steps over the phone he said wait a minute we still need a document of your check stub of your employment I said okay he email me I downloaded my check stub and send it to them and the email said they will call you in 48 hours to finalize your loan..OK two Days later I look @ my email & Discover Loan had sent me a email asking me the Same Damm thing I just sent them 48 hrs ago..the email ask Me to send my pay statement AGAIN..I was like I just sent it to the link you Ask Me to do Two days Ago.. Now I have to wait another 48hrs for you to accept or deny me..This is just Crazy to Me...just don't understand why they email me a second time to e-file my pay statement that I'd already done the first time... Why they're asking me to do it again..(SMH)..I'm Not understand this proceedings from them...if you Not wanting to give it to me let me know Cause it several other loan companies that could accept me I'm just trying one loan place at a time..
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