Common Questions
When I apply for financing, does it do a hard or soft pull on my credit report?
You can apply either during your appointment or ahead of time using our simple Apply button. When applying, please enter the amount you believe your project will cost or the amount you’re looking to finance.
Important: Please do not select your loan product until we’ve provided you with an estimate.
What credit bureaus do each of your financing partners use to determine eligibility?
With Momnt, you can check to see what you qualify for using only a soft credit check, which does not impact your credit score. A hard credit inquiry will only occur once you select your loan product and agree to apply.
What happens if my first application for financing is declined?
If your initial application is declined, there are a few steps you can take:
Double-check that you’ve entered your total annual household income, not just individual income.
If you’ve already done that, consider having another member of your household submit an application for the project
Can I finance any project?
Momnt can finance any home improvement project with a minimum amount of $3,100 and up to $55,000, depending on credit approval.
