One-Minute Personal Loan Test

Dependants (including yourself)

One

2

Two

2

Three

2

Four

1

Five

1

Residence

Living with parents

1

Rent furnished

2

Rent unfurnished

3

Own home mortgaged

4

Own home clear

5

Years at present address

Under 2 years

1

2 to 4 years

2

5 to 8 years

3

9 to 14 years

4

15 years or more

5

Gross monthly income

Under $ 1,500

3

$ 1,500 to $ 2,500

4

$ 2,501 to $ 3,500

5

$ 3,501 to $ 5,000

6

Over $ 5,000

7

Years with present employer

Under 2 years

1

2 to 3 years

3

4 to 6 years

4

7 to 10 years

5

Over 10 years

6

Years with previous employer

Under 1 year

1

1 to 3 years

1

4 to 6 years

2

7 to 10 years

4

Over 10 years

5

Percent of monthly income remaining after expenses

Less than 10%

1

10% to 15%

2

16% to 25%

3

26% to 33%

4

Over 33%

5

Bonus Points (add all that apply - maximum 3 points)

Checking Account

1

Savings Account

1

IRA with bank

1

CD with bank

1

Loan with bank

2

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