How Padder makes approval decisions
Each approval decision is made using proprietary risk models that combine:
- The information you provide in your application, and
- Hundreds of additional data points used to assess risk.
Decisions are based on objective criteria applied consistently to all applicants.
Because of how these models work:
- Padder cannot provide a single, specific reason why a particular application was denied.
- Our customer support team cannot see or explain the detailed cause of an individual decline decision.