What credit score do I need for easyfinancial?

This is determined on a case-by-case basis. We use many factors to approve applicants for a loan, including monthly income and credit score. We factor in your debt-to-income ratio (50%), debts in collections, car payments, and monthly debt obligations. Those with bad credit (300-720) are encouraged to apply.

What is a soft inquiry and how is it different than a hard inquiry?

A soft inquiry is when your credit report is pulled for informational purposes and does not affect your credit score. A soft inquiry is simply a review of your credit report that's used to determine if you are eligible for a pre-approved offer and may be used to verify who you are. When a company conducts a soft inquiry, this is only visible to you, and is not seen by other lenders therefore it will not negatively affect your credit score. A hard inquiry is when a credit report is requested from the credit bureau for the purpose of evaluating you as a borrower. A hard inquiry can affect your credit score and can be seen by other lenders. However, keep in mind that hard inquiries are only one of the five major factors that help determine your credit score. Other factors such a payment history and credit utilization play a much bigger role in determining your credit score.

What documents are needed to get an approval?

We require the following documents:2 recent pay stubsLast 90 days of banking information 1 recent bill addressed to your current home A piece of government photo ID

easyfinancial Services120 Columbus Dr Unit 7B, Carbonear, NL A1Y 1B3

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120 Columbus Dr Unit 7B, Carbonear, NL A1Y 1B3

https://www.easyfinancial.com/newfoundland

+17095961694

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Newfoundland & Labrador</p> <p>We say yes to Newfoundland residents when banks aren't an option with Personal Loans of up to $75,000. Get a loan and rebuild your credit. 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