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Pending is not a denial. It means the check that confirms who you are did not finish, and we need one more thing from you before we can give an answer. Your application is still open. Most pending applications are cleared by the applicant, on their own, in a few minutes.
You have 30 days from the day you applied. The clock does not restart when your application goes pending. After 30 days the application closes and you would have to start over.

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Why applications pend

We check two separate things, in order. First, can we find your credit report and does it match what you entered? If we cannot retrieve a report, or the details do not line up, we stop here. Nothing about your identity has been questioned yet — this is a lookup problem. Second, are you who you say you are? Once we have your report, a check runs against your identifying information. If it does not come back clean, we ask you to confirm your identity. Your application will only pend if it otherwise meets the finance program’s requirements. We do not pend applications that would not qualify. That is worth knowing before you spend time on it.

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Find your screen

Match what you are looking at to the right page. They are listed in the order these things normally happen.

Unable to Process Application

“We could not pull accurate underwriting information.” We cannot find your credit report.

Your credit file is frozen

A message naming a credit bureau, with a phone number and a website. Only you can lift it.

Identity Verification

“Please answer the following questions.” Multiple-choice questions about your own records.

Upload a photo ID

“Please upload a photo of your government issued ID so we can verify your identity.”

Currently Pending — please call

A phone number and a reference number. The last step, once the others have been tried.
Work down that list, not straight to the phone. Each step clears far more applications than the one after it, and a representative will start by asking you the same things.

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What happens at the end

A pend that expires is not the same as a decline. It means we never got what we needed to decide, and you are free to apply again.