FICO® Score

Your FICO® Score summarizes your credit history. We also provide our Payoff Loan Members with their free FICO® Score every month.


or higher

Debt-to-Income Ratio

Your debt-to-income ratio (DTI) is your total unsecured debt (personal loans, credit cards, etc.) divided by your annual income. A low DTI ratio demonstrates a good balance between debt and income.


or less

Age of Credit History

Your age of credit history is the total length of time you've been using credit. This shows your credit maturity starting from your first line of credit.


years of good credit

Open and Satisfactory Trades

Your open and satisfactory trades are the lines of credit on which you've opened and made payments on time.


open and satisfactory trades and no more than one installment loan within the last 12 months


Your credit delinquencies are payments you owe and have not currently paid.If you have any, we suggest resolving these before applying for a Payoff Loan.


current delinquencies and no delinquencies greater than 90 days within the last 12 months