Wagner Financial Services, Inc. considers every loan application individually and can usually have an answer for you within the hour. So what’s the difference between applications that are accepted and those that are not?

To increase your chances of getting a loan with us, you should have:

• A Steady Source of Income (paychecks, disability pay, or retirement checks)
• Established Credit (mortgages, credit card bills or other monthly bills) *rent, utilities, cell phone bills and student loans do not count)
• All Credit Card and/or Mortgage payments currently paid up to date
• A Debt Ratio less than 50% (Debt Ratio = Monthly Expenses / Monthly Earnings * 100%)
• Security, such as a car title, for large loans

In short, all you need is a average credit history and steady source of income. To find out more about what constitutes “average credit”, click the Your Credit button at the top of this page. To find out what kinds of loans we offer, click the Loan Types button.