Tips to Potentially Bridge the Gap or Improve Approval Chances:

• Improve your credit score over time.
• Reduce existing debts to lower your DTI ratio.
• Increase your down payment (if applicable for the loan type) to reduce the amount needed.
• Consider a longer loan term (this may lower payments but increase total interest; use with caution).
• Shop around with different types of lenders (banks, credit unions).
• If requesting a secured loan, ensure your collateral valuation is accurate and sufficient.
• Consider if a smaller loan amount would meet your immediate needs.
• For some loans, a creditworthy co-signer might help (not analyzed by this tool).