Wondering what it takes to qualify for financing with SimpleDirect?

Good question! While we work with a variety of lending partners (each with their own approval criteria), here’s a general overview of the minimum requirements most homeowners will need to meet.

✅ Basic Requirements

To apply and get approved, you’ll typically need to:

1. Be at least 18 years old
   You must be a legal adult to enter into a loan or credit agreement.

2. Be a U.S. resident
   We currently only offer financing in the United States.

3. Have a verifiable source of income
   This can include employment income, self-employment, retirement income, or other consistent sources that show you’re able to repay a loan.

4. Have a reasonable credit history
   Our lending partners work with a range of credit profiles. Some lenders accept scores as low as 560–600, while others require higher credit to qualify for larger amounts or better rates.

🧠 Keep in Mind:

• Credit score isn’t everything.
  Your income, debt-to-income ratio, and payment history all factor into your application.

• Each lender is different.
  Some are more flexible than others. If one lender doesn’t approve you, another might—SimpleDirect automatically checks multiple options on your behalf.

• Checking your options won't hurt your credit.
  When you apply through SimpleDirect, it’s a soft credit check to see your offers. No commitment, no pressure.

🚀 Ready to See If You Qualify?

It only takes a few minutes to check your options. There’s no impact on your credit score, and you might be surprised by what you’re eligible for—some homeowners get approved for up to $100,000.

Still have questions? We’re here to help—reach out anytime or start your pre-qualification online.

Let’s make that home project happen! 🛠️