Can I get a Wagestream loan without a credit score?

You may be eligible for a Wagestream loan even without a credit score. However, please keep in mind that other eligibility criteria will also be considered when we review your application.

Unlike many loan providers, we don’t base our decisions solely on your credit history. Instead, we ask that you link your primary bank accounts—both the account where you receive your salary and the one you use most for spending. This allows us to assess your financial habits and offer a loan suited to your needs.

This step is optional and can be skipped during the application process. If you choose to link your accounts, it’s done through a secure practice called Open Banking. Open Banking allows financial providers like Wagestream to access your banking information, such as recent transactions, with your consent. We use this data only to evaluate your application and assure you it won’t be used for any other purpose.