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How does Revolut decide whether to offer me credit?

The decision is made on the basis of an overall evaluation of your credit history, financial capacity and income stability.

Every applicant should meet the following key criteria:

  • income should be sustainable, and either represented in SODRA or justified by other acceptable documents such as bank statement or income return. For more detailed information please refer to What proof of income is required FAQ;
  • a minimum of four (4) months of uninterrupted income history, for some income types longer income history requirement may apply. For more detailed information please refer to What is the minimum duration of activity that I need to apply for a loan FAQ;
  • a minimum of 400 EUR in monthly income after tax;
  • your (and your family’s) monthly expenses for covering existing financial obligations may not exceed 40% of your monthly income after tax;
  • an acceptable credit history.

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