I applied for a small $5k personal loan, for a Rakuten point incentive. My business takes in $300k annually, and I earn $60k through payroll. My credit is perfect with a fico over 800, I have over $200k in open cc credit (I never use), and still this was not enough for them to approve my personal loan and they wanted a cosigner. What a joke! Do not waste your time on this company...
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