I currently have a $40k, 3 year loan at 2.99%. I applied for it as a car loan with no other debt. FICO in the low 800's.
My previous loan with them was for $32,500 for 3 years at 3.99%. I also applied for this one as a car loan and had an outstanding Lending Club loan at 50% util and about $5,000 in credit card debt remaining. FICO in the mid 700's.
My very first loan with them was in 2019 for $49,000 at 9.49%. I applied for this one as debt consolidation, as this was during my rebuilding phase. FICO in the low 700's with about $40k in credit card debt.
In my experience, they cared less about my debt and income and more about my resources for repayment. I was asked for my bank/brokerage statements on the first loan but not my income. For the two subsequent loans, they were funded without any paperwork.
