Fig’s loan application process considers a variety of proprietary factors to determine an individual's eligibility to obtain a loan from Fig, including the loan amount and related APR. As a responsible lender, we take into account a number of factors as part of our assessment process. This includes, but is not limited to:
- Your bank account transaction history to:
- validate the information that has been provided to us by you or any credit reporting agency.
- help determine whether you can make your loan repayments.
- detect broader risk indicators such as fraud.
- ensure compliance to regulatory requirements.
- The personal information you provided, which allows us to confirm your identity
For help with linking your bank account using Flinks, see our help centre article: Link Your Bank Account With Flinks
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