How do I submit a Divvy credit application?

To begin a Divvy application, open the Divvy website and click the Sign Up button. Learn more about how to apply to Divvy.

What are the eligibility requirements for Divvy’s credit application?

The Divvy credit application uses several different criteria to determine eligibility. View this article to learn more about the eligibility requirements used in the credit application. Each application is evaluated individually and may be approved or rejected based on other factors.

What information will I need to complete the Divvy Credit Application?

View this article to learn more about the information required to complete your application.

Will my business and personal credit be pulled after completing the application?

Once the application is complete with the authorized signature, Divvy will perform a soft inquiry of the business AND the authorized signer's credit to determine the best credit limit for your business. We do not do a hard inquiry.

What is the difference between a hard and soft inquiry?

A hard credit inquiry may impact your credit scores and stay on your credit reports for about two years, while a soft credit inquiry—which is what Divvy will perform upon you completing the application—will not affect your scores.

I need someone else to complete the Divvy application, how do I do that?

When starting the application, you can invite collaborators. They will receive an email that allows them to complete the Divvy application.

I am the authorized signer. Why am I not able to sign?

You must sign the application using the specified email address associated with the official authorized signer. Please make sure you're logged in with the correct email address in order to sign and complete the application.

Why can't I log in to my Divvy account to finish my credit application?

Your Divvy account is not created until your company is approved for credit. To complete your credit application or view the status of your credit application, click here, enter your email, and follow the verification process.

What is a company owner?

A company owner, also known as a beneficial owner, is any individual who owns 25% or more of a company’s equity interests. Not all companies have company owners.

In accordance with the Bank Secrecy Act’s Customer Due Diligence Rule, we require company owner’s personal information to improve financial transparency and prevent criminals and terrorists from misusing companies to disguise illicit activities. This helps us prevent identity theft and application fraud.

How can I complete the Divvy application process if my credit is frozen?

Divvy uses Experian when reviewing the credit of all applicants. If an authorized signer’s credit is frozen through Experian, they will need to remove the security freeze to complete the application. If you begin an application while an authorized signer’s credit is frozen, your application will be saved and can be resumed once you have contacted Experian to remove the security freeze and the freeze has been lifted.

Learn how to resubmit your saved application once the security freeze is lifted.


If you have additional questions or need help with using Divvy, please view our other Help Center articles or contact the Divvy Support team.

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