Lenny Credit lines are currently available in California. Credit lines will roll out to other states mid-2017.

To be eligible for a Lenny Credit line you must:

  • Have a valid Social Security Number (SSN)
  • Be a current resident of California
  • Have a valid photo ID (in some cases)

You can check if Lenny has deemed you eligible by selecting "Check My Rate" during the signup process to view the terms of the line of credit you can apply for.

Is my credit score good enough to apply for a Lenny Credit line?

Lenny Credit uses alternative data to determine if you are approved for a Lenny Credit line, including income, historical data, GPA, etc. Factors affecting your credit score may or may not affect your odds of approval for a Lenny Credit line.

To apply for a Lenny Credit line, download the iOS app and complete the application process.

Why am I being asked for a photo ID?

If you are asked for a photo ID, Lenny was unable to systematically verify your account based on public records. We may request a photo ID to ensure that your account belongs to you.

How can I increase my chances of approval?

Certain life changes, such as a change is salary, may increase your chances of being approved for a Lenny Credit line.

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