Check what you can responsibly borrow

Select Personal or Business, enter your numbers, get two answers: a score that shows what helps or hurts you, and a capacity check for how much you can comfortably repay. Add collateral for a realistic loan to value cap. Everything runs locally in your browser, no credit pull or server math. See a clear verdict and maximum you can responsibly borrow, use the built in tools to improve your plans.

Profile

Cards and statement dates
CardLimitBalanceUtil %ClosesTarget
Enter cards to see per card goals and an overall plan to get below 30 percent or 10 percent.

Loan request

-
Collateral optional
What if

Payment fit

At 36%, your payment budget is ; after other debts, that leaves for this loan.

How your payment is calculated
  1. Monthly interest rate equals APR divided by 12.
  2. We compute a term factor from your months. More months spreads the cost.
  3. Base payment equals principal times monthly rate divided by that factor.
  4. Your total monthly payment equals base payment plus any extra you add.

Result

AssessmentPersonal
Score-
Capacity- -
Verdict-
Max eligible estimated-
LTV cap active-

Lender snapshot (what lenders see)

Report snapshot
ItemYouTypical*Note

*Typical targets vary by product. We show common guardrails.

Score factors
Payment history Utilization Age Mix New credit

Qualification dashboard

Readiness by product
ProductGateYouNext step

Diagnose: errors & opportunities

Check all that apply

Use letters for accurate fixes. Never dispute true, valid information.

Planning tools

Snowball and Avalanche
DebtBalanceAPR %Min $
Refinance and Balance transfer check
Credit builder options
  • Secured card
    Deposit equals limit; keep reported use < 10%. Ask for graduation at month 6–12.
  • Credit builder loan
    Small installment that reports monthly. Keep auto-pay on; helps history and mix.
  • Authorized user
    Old, positive account can add age/limit. Avoid if primary has lates or high use.
Hard pull spacing

Forecast: recovery path

Checked boxes extend projected recovery; each adds 20–30 points over time.

Goals & progress

Progress 0 percent.

Understand your score

Payment history~35%

What it is: Whether you pay on time across all accounts.

  • Helps: Auto-pay on minimums; no missed payments.
  • Hurts: 30/60/90-day lates, charge-offs, collections.
  • Do now: Bring any past-due current; turn on auto-pay today.
Utilization~30%

What it is: Reported balance ÷ limit (per card and total).

  • Target: Under 30% is fine; <10% is best.
  • Trap: One maxed card can tank the score even if others are low.
  • Do now: Pay one high-util card to <9% before the statement closes.
Age~15%

What it is: Average age of accounts and the oldest account.

  • Helps: Keep old $0-fee cards open.
  • Hurts: Closing oldest cards; rapid new openings.
  • Do now: Don’t close your oldest card unless fees force it.
Mix~10%

What it is: Variety (revolving cards + installment loans).

  • Helps: At least one card and one small installment reporting.
  • Hurts: Only one type (just cards or just loans).
  • Do now: Consider a small credit-builder loan with auto-pay.
New credit~10%

What it is: Recent hard pulls and brand-new accounts.

  • Helps: Space applications; group rate-shopping windows.
  • Hurts: Many inquiries in 6–12 months; multiple new cards at once.
  • Do now: Hold a 90-day no-pull streak before the next apply.
Late payment impactwhat to expect
30 dayssmall → medium
  • Bring current immediately (same day if possible).
  • Keep a 6–12 month perfect streak (use auto-pay).
  • Keep utilization under 30% (aim 10% for a faster bump).
60 daysmedium
  • Bring current; request account re-aging if policy allows.
  • Maintain 12–18 months on-time payments.
  • Avoid new accounts; do not close oldest card.
90+ dayslarge
  • Bring current; use hardship/forbearance plan if needed.
  • Hold a spotless 18–24 month streak.
  • Stabilize cash flow; keep oldest accounts open.

Amortization preview

MonthPaymentInterestPrincipalBalance
Compute to see the first six months.