You may receive what’s known as an adverse action notice from one of our lending partners if you did not successfully pre-qualify with them, to formally notify you that your pre-qualification application was not approved. Don’t be alarmed if you receive an adverse action notice - again, it’s just a formality, and does not mean that a hard review of your credit was performed.

You’re more than welcome to try pre-qualifying again in 30 days. If your credit score has improved, you may have a better chance of pre-qualifying then.

If you need emergency financial assistance, we recommend following up with some local organizations that work to help community members who are facing hardships. Please visit our Payday Loan Alternatives Tool and enter your zip code to see which organizations are available in your area.

If you're feeling overwhelmed by debt and need help managing it, we recommend contacting the National Foundation for Credit Counseling at (800) 388-2227.

These additional resources about credit building may also be worth checking out:

• How to Build or Rebuild Credit
• 9 Alternatives to Payday Loans in Crisis
• How to Make a Secured Card Work for You
• What is a Credit-Builder Loan?
• Comparing FICO and Other Credit Scores