If you are currently unemployed or have no verifiable means of income your loan application must be submitted by an alternate borrower on your behalf. If you receive state benefits (other than unemployment) you may qualify however, it is strongly advised that you consider submitting your application with a co-signer that has excellent credit of 700 or above.

Your credit score will have been adversely affected if you have multiple collection accounts and/or numerous late payments. Please consider applying with a co-signer that has excellent credit of 700 or above.

Having late payments on your mortgage will adversely affect your credit score. We strongly advise that you consider submitting your application with a co-signer that has excellent credit of 700 or above.

If you have declared bankrupt in the last 7 years your loan application must be submitted by an alternate borrower on your behalf.

Clark Loan applications are considered according to your credit score and debt to income ratio (among other factors). If you have less than 2 years of established credit it is highly likely that your credit score will not be high enough for us to consider your application. Please consider submitting your application with a co-signer that has excellent credit of 700 or above.

Clark Loans may only be taken out by US citizens or eligible residents. We are sorry that we cannot help you at this time.

If your credit score is below 680 you must submit your loan application with a co-signer that has excellent credit of 700 or above.

If you are unsure of your credit score we will check your credit file to examine your credit score and debt to income ratio. If your credit score is less than 680 you will need to submit your application with a co-signer with excellent credit of 700 or above.

If your loan is approved you will need to provide us with documented proof of your income. This will include (but not limited to) a pay stub within the last 30 days or the most recent year's tax return (if self employed).

When submitting your loan application, please ensure that you tell us about your income as accurately as possible, as the amount will be verified and your loan may be declined if the evidence you provide does not match.

If your current Debt to Income ratio is higher than 42% you must submit your loan application with a co-signer that has excellent credit of 700 or above.

If you are unsure, please calculate your debt to income ratio using the calculator on this page.