Applying for credit and accepting an offer

From the Marketplace tab of /me/credit:

1. Pick a product and enter the amount you want.
2. Tap the signals you're willing to share (you must have connected them first under Creditworthiness — a reduction you can't back with data shows "connect first").
3. Tap Preview to see the underwriting decision: your risk tier, approved limit, the baseline APR, and the best-case APR if you share everything.
4. Tap Apply. The engine underwrites instantly. Approved applications show an Accept button; thin-file requests route to the lender for manual review.
5. Tap "Accept offer & originate" — the loan is created, the disbursement posts to the lender's books, and you're issued your portable creditworthiness credential.

How underwriting works: your risk tier is driven by how many core financial signals you share — verified income, bank cash-flow, and on-time history. More signals → a better tier → a higher approved limit. Critically, the tier only affects your LIMIT, never your APR ceiling — the lender never re-prices risk against you. Every APR improvement comes from the ratchet.

You can track every application's status on the Applications tab.