SweetPay has multiple lender affiliates that approve a fairly wide range of credit scores, from prime to subprime.  While your credit score is an important factor for SweetPay lender affiliates when evaluating your credit application, they look at more than just your score to render a credit decision including your existing lines of credit. For your privacy, our lender partners will not disclose to SweetPay exact reasons as to why you may or may not have received an offer.