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One Main Financial

Welcome to Credit.com

What To Do After You've Been Declined for a Loan

Being turned down for a loan can happen to anyone. The important thing is to use your loan denial as an opportunity to take control of your credit. Credit.com can help! We offer free analysis, tips for improving, and product suggestions. One of the most important things to do now is to check your credit score and credit report. Another is to find an option to meet your immediate need for funds, personal loan or a credit card for rebuilding your credit.

Why Wasn't I Matched?

Lenders may choose to not accept a loan application if:

  • Your credit score is too low or you don't have a credit history. Check your credit score now – for FREE »
  • You had a recent negative event, such as bankruptcy, collection accounts, liens, repossession, or judgements against you.
  • You have poor repayment history, your bills are in collection, or you have recently bounced checks.
  • Lenders may only accept limited application from certain geographic areas or in a given time frame.

Free Credit Report Card

Review your credit profile and score with our free tool. Check it now »

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Do I Have Other Loan Options?

If you feel you are a qualified applicant and wish to find another loan option, there are other lenders you can consider.

We work to match you with lenders that consider applications from people with lower credit ratings... to help you get the cash you need with affordable monthly payments.

Spring Leaf, Credit.com Personal Loans, Pioneer Services

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A second loan application in a short amount of time rarely hurts your credit score. Credit bureaus count credit inquiries that occur within 14-15 days of each other as a single inquiry.