Understand the project and the terms.
Start with a written project estimate, then compare any financing offer with your budget. Review the interest rate, fees, repayment period, and total cost before deciding.
Start with prequalification
The Optimus application begins with a soft credit pull. Read its credit authorization before continuing.
Lender review
Approval and response times depend on the lender and your application. Prequalification is not final approval.
Compare payment amounts
Review the monthly payment alongside the interest rate, fees, and total repayment amount.
Check repayment terms
Ask the lender about early repayment and any fees. The terms of your specific offer control.
Check eligibility
Available options depend on lender criteria and your application. Financing is subject to approval.
Confirm the project amount
Use your written estimate when considering how much to finance, and check any lender amount limits.