How long will the application process take?

First, you will complete the application at Then, we’ll conduct an academic review to assess preliminary qualifications for a Sixup loan. When you pass that portion, you must complete a brief credit application with Campusdoor. Read below for more information on each step. The disbursement timeline is determined by your school.


Application at

The initial application takes about 10 minutes to complete and requests  some basic information, along with your grades and financial aid award letter.

Academic Review

Once you submit your application, we will follow up with you within 5-7 business days regarding next steps. We may request additional information at this time, so be sure to check your email. If, however, you do not hear back from us within a week, please send us a message at so we can look into it for you. Please note that if we do not receive the correct documentation from you, your application will automatically expire after 45 days and you will need to submit a new application.

Credit Review

When you pass the academic review, you will be sent a link to complete your credit portion of the application on our partner's site - Campusdoor. At this point, we will do a credit check. Although having a credit history is not required,  if you do have a credit score, we require a minimum credit score of 600 in order to be eligible.  You will need to provide a copy of your government ID as well as proof of residence in a state that we lend in.

One you create an account at Campusdoor, you’ll know within minutes whether or not you have been conditionally approved or your application has been denied. Your final approval is conditional upon our ability to verify all information in your application. As part of the verification process, we may request that you submit supporting documentation. Once review is complete and a decision to approve has been made, your school needs to verify the disbursement amount.


The disbursement date is determined by your school. If you accept your Sixup loan right away, it can take up to 30 business days for the disbursement to reach your school. If your payment is due before we are able to provide you with a loan decision, reach out to your Financial Aid Office and ask if they are able to provide an extension for that deadline.


See Also:

When will I receive the loan?

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