Your Savvy Score

Rewarding timely payments to increase your credit limit and approval chances.

The Savvy Difference
Our scoring system rewards you when payments are made early or on time so that you can increase your approval chances and credit limit. Rather than dwelling on your past we give our customers an opportunity to track and be rewarded for their current financial behaviors with us. The higher your score, the more likely you are to be approved.
Loan Approval Changces

How to Increase Your Loan Approval Chances?

Here are some tips to help your approval chances:

  1. Ensure your everyday accounts always have funds in there to prevent the account from overdrawing.

  2. Ensure all payments are successfully paid on time.

  3. Keep a clean record for as long as possible (if you continue this habit into the future then it’s only a plus from here!

Our team takes care of our clients and we enjoy doing it, so feel free to chat, call or email us at any time and we will be more than happy to help.

While Savvy provides valuable tips to help you enhance your score, we want to clarify that we’re not offering financial advice—just some friendly guidance on your Savvy journey.

Apply Now Safe and Secure. 5 min application1
Savvy score

Payment Score

You can receive Savvy Score for positive payment behaviour like paying your loan with no late payments or no payment schedule modification requests.

Savvy score

Dishonor Penalty

There are instances where we need to deduct points from your Savvy Score. If a payment has dishonored, it will impact your Savvy Score. We want to be working with you at all times and assist where possible. If you have any issues that might affect your payment schedule, get in touch with Savvy Loans today. Please remember, this will impact your chances for future approval and may decrease your credit limit potential.

Savvy score

Reschedule Penalty

We value communication! We are here to help create a payment arrangement that suits you right from the beginning. However, if you request for a manual reschedule or arrangement that is different from what was initially discussed, it may negatively impact your Savvy Score. That being said, communication is key! Contact us via chat or phone and let us know your situation and one of our friendly Savvy staff can help without it impacting your Savvy Score!

Improve your Savvy Score, get rewarded.

Increase your credit limit and chance of approval for your next loan.

Credit Score
Savvy score

Credit Scores and how they impact Payday Loans

A less-than-average credit score no longer needs to prevent you from getting the much needed advance you’re after. While other banks and lenders will use credit records, if you meet our eligibility criteria we may not have to do a credit check at all. Also, if we conduct a credit check, your credit score is only one of many factors we consider when making our loan decision - don’t stress!

Savvy score

How long does it take to get an online loan approved

The entire application and approval process can be completed same-day, and potentially within hours if all of the required information is provided. We know how important it is to ensure we don’t waste your time! Same day approval2, same day funding.

Apply Now Safe and Secure. 5 min application1

[1] Applying for a loan with Savvy usually takes about 5 minutes. However, this time can change based on a few things, such as your typing speed, the device you're using, and whether you have all the necessary information ready to go.

[2] As the approval process is influenced by various external factors, we can't guarantee that you'll receive a decision on the same day. However, most of our customers do receive a same-day response to their application with Savvy, if they submit their loan application and all the requested supporting information during a regular business day.

At Savvy Loans, we specialize in providing 'teeny, tiny' short-term loans with lightning-fast approval and flexible repayment options. Operating as both a Credit Service Organization (CSO) and a Credit Access Business (CAB) in Texas, Savvy offers you access to loans without the red tape, long processes, or complicated legal speak.

Partnering with trusted third-party lenders, we ensure a seamless process while focusing on what we do best – helping you secure the funds you need for life's unexpected expenses.

Like other CABs and CSOs, we prioritize quick funding and flexible repayments to bridge short-term financial gaps. However, what sets Savvy apart is our commitment to your financial literacy and long-term financial well-being. With the imminent launch of our innovative Savvy Credit Score system, this rings truer than ever before. This will empower you to make sound financial decisions and cultivate healthy spending and savings habits with an increasing score when good financial decisions are made, making your next loan application more favorable.

Texas: Good News Group, LLC DBA Savvy Loans is licensed as a Credit Access Business (CAB), License No. 2300074529-170223, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20230057, by the State of Texas. Savvy Loans is NOT a lender in the state of Texas. All loans for which Savvy Loans acts as a CSO/CAB are funded by an unaffiliated third-party lender, Hillcrest Private Credit Funding I, LLC, and serviced by Savvy Loans.