# Applying For Loans

### Application and Rate Check

- [What Should I do if My Credit Report is Frozen?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/37126999696791-What-Should-I-do-if-My-Credit-Report-is-Frozen-Applying-For-Loans)
- [How Can I Apply For An Earnest Loan?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/219164787-How-Can-I-Apply-For-An-Earnest-Loan-Applying-For-Loans)
- [How does Earnest offer such low rates?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/218907777-How-does-Earnest-offer-such-low-rates-Applying-For-Loans)
- [How Does Applying for an Earnest Loan Affect my Credit?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/218393408-How-Does-Applying-for-an-Earnest-Loan-Affect-my-Credit-Applying-For-Loans)
- [I Don’t Have Any Savings. Will My Application be Declined?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/6833805803543-I-Don-t-Have-Any-Savings-Will-My-Application-be-Declined-Applying-For-Loans)
- [If I give you my social security number, will you give me a loan offer?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/360009078433-If-I-give-you-my-social-security-number-will-you-give-me-a-loan-offer-Applying-For-Loans)

### Eligibility

- [Can I apply for a loan if I am a citizen of the United States but living outside of the country?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/218390048-Can-I-apply-for-a-loan-if-I-am-a-citizen-of-the-United-States-but-living-outside-of-the-country-Applying-For-Loans)
- [Can I Apply With a Cosigner?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/218912797-Can-I-Apply-With-a-Cosigner-Applying-For-Loans)
- [Can I Check My Eligibility Before Applying?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/6832706752663-Can-I-Check-My-Eligibility-Before-Applying-Applying-For-Loans)
- [Do I need a degree or diploma to apply?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/6832385740951-Do-I-need-a-degree-or-diploma-to-apply-Applying-For-Loans)
- [How Does Earnest Make Decisions?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/6831525044119-How-Does-Earnest-Make-Decisions-Applying-For-Loans)
- [What Information is Considered on My Experian Credit Report?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/6833720567575-What-Information-is-Considered-on-My-Experian-Credit-Report-Applying-For-Loans)

### Income and Assets

- [What If My Bonus Or Commission Fluctuates?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/4403059688471-What-If-My-Bonus-Or-Commission-Fluctuates-Applying-For-Loans)
- [What Type of Income Do You Consider?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/360011375674-What-Type-of-Income-Do-You-Consider-Applying-For-Loans)
- [How will you consider my rent or mortgage payment?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/360010066934-How-will-you-consider-my-rent-or-mortgage-payment-Applying-For-Loans)
- [What kind of assets does Earnest consider in my application?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/115010514227-What-kind-of-assets-does-Earnest-consider-in-my-application-Applying-For-Loans)
- [Does Earnest consider household incomes when reviewing applications?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/115001345008-Does-Earnest-consider-household-incomes-when-reviewing-applications-Applying-For-Loans)

### Loan Review

- [FAQ: Earnest Identity Verification  Applying for Loans](https://help.earnest.com/hc/en-us/articles/360058307813-FAQ-Earnest-Identity-Verification-Applying-for-Loans)
- [You're requesting that I upload tax documents for my application. What should I provide? (tax form examples shown)  Applying For Loans](https://help.earnest.com/hc/en-us/articles/360016295533-You-re-requesting-that-I-upload-tax-documents-for-my-application-What-should-I-provide-tax-form-examples-shown-Applying-For-Loans)
- [Who Is Plaid?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/1500006342741-Who-Is-Plaid-Applying-For-Loans)
- [What If My Bank Account Won’t Connect, or I Prefer Not to Connect My Bank Account?  Student Loan Refinancing](https://help.earnest.com/hc/en-us/articles/219816047-What-If-My-Bank-Account-Won-t-Connect-or-I-Prefer-Not-to-Connect-My-Bank-Account-Student-Loan-Refinancing)
- [Where can I check the status of my application?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/218912767-Where-can-I-check-the-status-of-my-application-Applying-For-Loans)
- [My Application Was Declined. Would Anything Change if I Asked For a Lower Amount?  Applying For Loans](https://help.earnest.com/hc/en-us/articles/219164777-My-Application-Was-Declined-Would-Anything-Change-if-I-Asked-For-a-Lower-Amount-Applying-For-Loans)