Check out the FAQs to learn more about our no-cosigner student loans.  |  Click here to earn a $200 Amazon gift card for referring a friend to Funding U!

What if I have poor credit, bad credit, or no credit history?

We believe that you are more than your credit score. Most undergraduate students have not had a chance to establish a strong credit history. We make loans based primarily on your academic achievements and career path. 

Although we don't use your FICO score to make loan decisions, we do review your credit history. If you have documented credit issues (missed payments, collection items, charge offs, etc.), these will negatively impact your chances to be pre-approved for a loan.

Return to FAQ