Frequently Asked Questions
Last updated: 2026-08-18
My credit is not great. Is it still worth trying?
Often, yes. Lenders in our network each set their own criteria, and some work with lower credit scores. There is no cost and no obligation to find out.
Does submitting affect my credit?
Not on its own. A lender who follows up may run a credit check, covered in our Credit Authorization page.
Is this available in my state?
Not everywhere. Current availability is listed on our Lending Policy page.
Is Shaleniva a lender?
No. Shaleniva routes requests to lenders in our network. Any loan, rate, or term comes from the lender you are matched with.
What does this cost?
Submitting a request is free. Any fees tied to an offer you accept come from the lender and are disclosed up front.