# What Makes For a Successful Application?

Earnest offers loans to financially responsible people. While your credit history is an important aspect of our review process, we also look at your cash flow, debt-to-income ratio, retirement contributions, and savings habits. We ask applicants to provide up-to-date information about their employment, as well as connect certain financial accounts, which allows us to evaluate their financial profile. Please view our [Eligibility Guidelines](/content/eligibility/index.html) to see if Earnest is a fit for you.

Some reasons that we may **not** be able to approve an application are:

- History of missed payments.
- Income that does not support everyday living expenses, along with the Earnest loan.
- Savings that do not cover at least 2 months of normal living expenses, including the Earnest loan.
- Recent bankruptcy or foreclosure.

_Have more questions? [Submit a request](https://help.earnest.com/hc/en-us/requests/new)_

## Contact us!

We're not around, but we'd love to chat another time. Feel free to email hello@meetearnest.com if you need help now!