Eligibility
LendWyse loan requirements
Minimum credit score
Because LendWyse is a marketplace, there is no single cutoff — each lending partner sets its own thresholds. In practice, borrowers with FICO scores around 580 and above can usually see at least one offer. Scores above 670 generally unlock the best APRs.
Basic eligibility
To use LendWyse you must be:
- At least 18 years old (19 in AL and NE)
- A US citizen or permanent resident
- Holder of a valid Social Security number
- An active US bank account holder
- Reachable at a US phone number and email address
Income requirements
You need verifiable income from employment, self-employment, retirement, or disability. Most partner lenders require at least $1,500 per month, though the bar varies by lender and loan amount.
Documents you may need
The initial rate check is form-only. If you accept an offer, the funding lender may ask for a recent pay stub, bank statement, or government-issued ID to verify identity and income. Requested documents vary by lender and credit profile.
Frequently asked questions
What is the minimum credit score for a LendWyse loan?
There is no single minimum credit score because LendWyse is a marketplace — each lending partner sets its own thresholds. In practice, borrowers with scores around 580 and above can usually see at least one offer, with better rates available to those above 670.
What are LendWyse loan requirements?
You must be at least 18 years old, a US citizen or permanent resident, have a valid Social Security number, a verifiable source of income, an active US bank account, and a valid US phone number and email address.
What documents do I need?
For the initial rate check, none — you only enter information into the form. If you accept an offer, the funding lender may ask for a recent pay stub, bank statement, or government-issued ID to verify your identity and income.
Can I qualify with bad credit?
Possibly. Some partner lenders specialize in borrowers with credit scores below 640. Offers are not guaranteed and APRs will be higher than for prime credit borrowers. Checking your rate is the only way to know for sure, and it does not affect your score.
Does LendWyse have an income requirement?
Yes — you need verifiable income. The minimum varies by lending partner, but most require at least $1,500 per month in steady income from employment, self-employment, retirement, or disability.
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