When reviewing a loan application we look at numerous factors to help us determine if we can give a loan offer or not. Here are a few of major determinates that we look at: 

1. Current Employment or Employability
2. Education/Work Experience: 
3. Financial Behavior: 
4. Derogatory Fees:
5. Defaults/Collections/Bankruptcies:
6. Visa Status
7. Information Accuracy
8. Credit Check/Credit Score (only for applicants with SSN)

We are looking for financially responsible behavior from individuals applying for a loan. Our process is extremely data-driven and we use machine learning algorithms to determine the exact interest rate and loan amount for approval. Here are some guidelines on how we approve loans.

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