Vroom Vroom
This type of loan helps members buy a new, used, or refinance cars, trucks or vans.
This number summarizes credit risk.
What is a CREDIT SCORE?
This type of loan is often used for emergencies, repairs, or unexpected expenses.
What is a PERSONAL LOAN?
When income is tight, lenders should ask follow-up this.
What are QUESTIONS?
This Ubay quick-funding loan can provide up to $1,500 for qualified members.
What is FAST Loan?
When reviewing an auto loan, this ratio compares monthly debt obligations to income.
What is DTI?
This section shows open and closed accounts.
What is TRADELINES?
This type of credit can be borrowed, repaid, and used again.
What is REVOLVING CREDIT?
Helping a member understand how to improve for next time builds this.
What is TRUST?
A “no” today can become a “yes” later with this.
What is plan or progress?
This is the max recommended limit for LTV.
What is 120%?
Revolving debt on a credit report usually refers to this type of account.
What is a CREDIT CARD?
Using a personal loan to combine debts into one payment is called this.
What is debt consolidation?
The best lender conversations combine knowledge and this human skill.
What is EMPATHY?
Great service turns transactions into this.
What is relationships?
This needs to be placed on every piece of collateral we secure.
What is OUR LIEN?
Trends matter more than this single moment number.
What is SCORE?
Moving balances from a high-rate card to another card or loan is called this.
What is a BALANCE TRANSFER?
A score alone should never replace reviewing this full picture.
What is member's OVERALL CREDIT PROFILE?
A member may forget the rate, term, or paperwork—but they rarely forget this part of the experience.
What is how they were treated?
The goal is reliable transportation with affordable this.
What is payment?
The last 24 months of behavior often tells lenders this.
What is current repayment habits?
Before approving debt consolidation, lenders should review this.
What is MEMBER'S ABILITY TO REPAY?
Asking open-ended questions helps lenders better understand the member’s this.
What is THE SITUATION OR THE NEED?