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Credit Application Form Template

Streamline Your Loan Approval Process with Our Credit Application Form

Handling credit applications can be overwhelming, especially when dealing with numerous applicants. This template is designed for financial institutions looking to streamline their credit application process and make it easier for potential borrowers to apply. With clear sections for personal details, employment history, and financial information, you can efficiently gather all necessary data, improve applicant experience, simplify approval workflows, and enhance decision-making. Try our live template to start collecting applications effortlessly.

Use this Template (FREE) Live Preview
Applicant type
Business
Individual
Requested credit limit (USD)
Preferred payment terms
Due upon receipt
Net 15
Net 30
Net 45
Net 60
Other
Please Specify:
Legal business name
Federal Tax ID (EIN) or SSN (last 4)
Date established
Entity type
Sole proprietorship
Partnership
LLC
Corporation
Nonprofit
Government
Not applicable
Other
Please Specify:
Primary contact full name
Business email
Business phone
Billing street address
Billing city
Billing state/province
Billing postal code
Billing country
Bank name
Account type
Checking
Savings
Other
Please Specify:
Account number (last 4 digits)
Authorize us to contact your bank regarding this account
Yes
No
Trade reference 1 company name
Trade reference 1 phone
Trade reference 2 company name
Trade reference 2 phone
I authorize the company to obtain consumer and business credit reports for evaluation purposes
Yes
No
I certify that the information provided is true and correct
True
False
I agree to act as a personal guarantor for any obligations on this account, if applicable
Strongly disagree
Disagree
Neither
Agree
Strongly agree
Authorized representative full name
Signature
Date signed
{"name":"Applicant type", "url":"https://www.quiz-maker.com/QPREVIEW","txt":"Applicant type, Requested credit limit (USD), Preferred payment terms","img":"https://www.quiz-maker.com/3012/images/ogquiz.png"}
paper art illustration featuring a credit application form layout and design elements for FormCreatorAI article

When to use this form

Use this form when you offer financing or net terms and need a complete picture to approve or decline quickly. It fits auto dealers, contractors, wholesalers, property managers, and clinics that bill after service. For car financing, send the Auto credit application form. To confirm credit history, pair it with a Credit report request form. If a broker or spouse needs to discuss the file with you, add a Third party authorization form. The result: consistent data, faster decisions, and lower risk.

Must Ask Credit Application Questions

  1. What type of applicant are you (individual or business), and what is your legal name and tax ID?

    This identifies the exact entity you will evaluate and match against public records. It prevents mix-ups and ensures you apply the right disclosures for consumers or businesses.

  2. What is your current address history and best contact information?

    Time at address helps verify stability and locate prior credit files. Accurate phone and email make follow-ups and required notices timely.

  3. Who is your employer (or business), job title, time in role, and average monthly income?

    Employment and income show ability to repay and reveal sudden changes. Time in role adds context beyond a single pay stub.

  4. How much credit do you need, and what will you use it for?

    Amount and purpose let you align the offer, term, and any collateral with the real need. For education-related financing, send applicants to the Student loan application form.

  5. Do you authorize us to pull your credit report and verify the information you provided?

    Written consent allows a lawful inquiry and third-party verification. Clear authorization reduces disputes and speeds underwriting.

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