Need a hand?

If you have the option to apply, you can do so and manage your loan application in the Revolut app.

To have a loan with Revolut, you must meet the following requirements:

• You're at least 18 years old (19 in Alabama)
• You have a valid social security number or ITIN and live in the United States
• You have a regular, sustainable, and verifiable income

• Go to 'Home' on the bottom menu
• Below your balance, tap Accounts
• Tap 'Add new'
• Select 'Credit', and then Personal loan
• Fill out the short application

Once you submit your application, we'll carry out credit checks to determine if your request meets our lending policy. To provide you with a personalized rate, we'll do a 'soft pull' on your credit file which won't affect your credit score.

If we need more information from you, we'll reach out via email. If we need additional documents, you'll be able to submit them in the Revolut app. You should get a decision within 5 business days.

If you're approved, you'll need to finalize the process by:

• Viewing the offer
• Choosing the preferred terms
• Reading the pre-contractual documentation
• Accepting the offer and signing
• Your credit bureau report will be reviewed at this time, resulting in a 'hard pull' on your credit
• The disbursement will be available in your Revolut prepaid card account

While reviewing your loan application, we carefully consider your existing financial obligations, expenses, and income. Our assessment may result in a different offer than what you originally requested.