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Can I apply if I have no credit, or bad credit?
Can I apply if I have no credit, or bad credit?
Marian Pita avatar
Written by Marian Pita
Updated over 4 months ago

Getting approved for a loan to attend school can be stressful if you have no credit history or poor credit. That’s why Fortify aims to provide students with opportunities for education and career advancement, regardless of credit scores. Here’s what you need to know:

Inclusive credit policy

We’re committed to an inclusive underwriting policy that goes beyond traditional credit scores. We consider various factors beyond just your credit score, to ensure that you’re evaluated based on where you’re going and not just where you’ve been.

Traditional lenders often rely heavily on credit scores to determine loan eligibility. However, Fortify recognizes that a credit score is just one aspect of a person’s financial profile. Other factors that we might consider include:

  • Educational plans: Your current or planned educational endeavors.

  • Career goals: The career path you are pursuing and its potential for income generation.

  • Personal circumstances: Your unique financial situation and any challenges you might have faced.

Applying is quick, and has no fees

If you’re unsure about whether you’ll qualify for a Fortify loan, we encourage you to apply and find out! The application process is quick, and you’ll receive an instant decision.

We don’t charge any fees and your application doesn’t affect your credit score, so submit your application today and find out if you qualify for a Fortify loan.

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