To ensure responsible lending, we do conduct credit and identity checks as a part of our application process. While we understand that credit scores can vary and change over time, please note that your credit score does impact your loan eligibility. If your credit score falls below our minimum threshold, we may not be able to offer you a loan at this time. Our team is committed to helping you make informed financial decisions, and we would be happy to discuss any concerns or questions you may have about your loan eligibility. For additional details about our eligibility process, take a look at SAPI Loan Eligibility FAQ.