Do you qualify for a Lendly loan? Three taps to find out.
Lendly weighs your job and paycheck more than your credit score. Answer these, then read the full checklist below.
Answer the questions above and we'll tell you which Lendly product you're likely to match, and what to do next.
The full checklist, item by item.
Everything Lendly looks at, and which product each item matters for.
18 or older, with a Social Security number
Standard identity verification. You'll enter your SSN and a government-issued ID may be requested.
Both productsA steady job with a regular paycheck
W-2 employment matters most. Your take-home pay per paycheck largely sets the amount you're offered.
CC Connect required · CC Flow strongly weightedAn active checking account
Needed for funding and repayment. Lendly can help you open one with Quill Bank if you don't have one.
Both productsResidence in one of 22 states
Not California, New York, Illinois or Pennsylvania. See the full list and the states that aren't covered.
Both products · state listPayroll that can split direct deposits
CC Connect is repaid by routing a slice of each paycheck to the loan. Most payroll platforms support it; some employers don't.
CC Connect onlyA credit check, but no minimum score
Run as part of the application and weighed alongside employment and income. A subprime score alone doesn't disqualify you.
Both productsWhy applications get declined, and what to do next.
- 1Short or unstable job historyLendly relies on the paycheck, so a very recent start date or gaps weigh heavily. More time with your employer usually fixes this.
- 2Take-home pay too low for the amountThe payment has to fit inside each check. Ask for a lower tier, or start with a CC Flow line.
- 3Payroll can't split depositsSome employers or paper-check payers can't route a slice to Lendly. Ask HR before applying, or look at CC Flow, which can repay from a bank account.
- 4Ineligible stateNothing to fix here; see the alternatives on the states page.
- 5Identity or income couldn't be verifiedUsually a mismatch between your name, address and bank records. Correct the records and reapply.
- 6An open CC Connect loanOne loan at a time. After about 90 days of on-time payments a refinance offer may appear instead.
Have these ready
- Government-issued ID and Social Security number
- Employer name and your take-home pay per paycheck
- Checking account and routing numbers
- Your payroll login, for a secure income check
- A debit card if you want the fastest funding
Not a fit right now?
Self-employed, gig or 1099 income, paid by paper check, or outside the 22 states: a credit union payday alternative loan (capped at 28% APR) or an earned wage access app is usually the next best stop. Alternatives by state
Eligibility questions, answered.
What credit score do I need for Lendly?
There is no published minimum. Lendly runs a credit check but says decisions are not based on your score alone; steady employment and income carry significant weight.
Do I need a job to get a Lendly loan?
For CC Connect, yes: a W-2 job with regular paychecks that can be split by direct deposit. CC Flow may still be an option with steady income and a checking account.
Which states does Lendly lend in?
Twenty-two: Alaska, Alabama, Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Wisconsin and Wyoming.
Why was my Lendly application declined?
The most common reasons are a short or unstable job history, take-home pay too low for the amount requested, an employer whose payroll can't split direct deposits, an ineligible state, identity or income that couldn't be verified, or an existing open CC Connect loan.
Can I apply again after a decline?
Yes. Lendly doesn't publish a waiting period. Fix the reason first: more time with your employer, confirm payroll can split deposits, or apply for CC Flow instead of CC Connect.
Ticked the boxes? Check your offer in five minutes.
A quick application, a decision in minutes, and the full cost before you sign.