Declined loan application
Loan applications can be declined for a number of reasons, depending on your individual circumstances.
Common reasons an application may be denied
- You don't have a local mobile phone number linked to your Revolut account
- You don't have a steady income, or if you do, it isn't enough to comfortably manage your loan obligations
- You're either not employed, or we couldn't confirm regular income payments
- You don't have a Lithuanian ID, passport, driver's licence, or valid permanent residence permit
- You don't have a good credit history
- You don't meet our basic eligibility criteria for income, age, etc. To learn more, visit this FAQ about eligibility
We follow a set of guidelines to ensure responsible lending according to local regulations, but we can't disclose which rule applies to each rejected case. Our Customer Support agents also won't have access to the specific decline reasons due to confidentiality.
Revolut's decision on a loan application is final and non-negotiable.
Can I reapply if my application was declined?
If your application was declined, we don't recommend applying again unless your circumstances have changed or the previous application information was incorrect.
If you've corrected your previous information, allow at least 48 hours for the system to update it before submitting a new application.