Loan Approval

Getting A Loan In 2025

As we all know it loans have been becoming trickier to accomplish. Technology and media are progressing rapidly leaving most in the dust. People are shifting their focus away from large commercial banks and fintech lenders like Best Egg, OneMain Financial, and Propser as they have tightened their security over time, one of the best eras to have been around. From personal experiences the game has changed so much in just two years. I can tell you like it was yesterday pushing Best Egg and Opotun for 5k-45k. But not everyone has had the privilege to be around such a time. I always get a handful of people asking me about loans, how do they work?, what do I have to do? etc… Now I will be honest this is a different ball game than smacking a Credit Card on a clothing site and calling it a day. This takes patience and calculation. So, i’m expecting majority of you to turn away from this read because it’ll require a bit from you and on top of it, it also requires all your faith and hope before you see results.

Begin by pulling a Credit Report

STEP 1

• Grab a fullz and a proxy that is near the fullz

Quick tip nsocks or elusive are hands down best proxies

STEP 2

• Go to https://www.annualcreditreport.com (the only official site authorized by law with the ability to do this for FREE) enter the phone number and email of the victim then click Experian.

STEP 3

• You can’t grab their code, we aren’t going to waste our time spoofing so we will bypass this by hitting “Resend Code” this will allow us to answer 3 security questions

• This requires you to actually lock in and scout their social medias (Hint: facebook)

• You don’t have to get any of it 100% correct but remotely close or else you will get denied after 3 attempts.

STEP 4

• If you answer them correctly you will get their credit report.

Boom we are done with that.

Now remember when I said people are completely “shifting their focus away from large commercial banks and fintech lenders like Best Egg, OneMain Financial, and Propser as they have tightened their security?”

Tackling Credit Unions is the go to. It’s so much better. Majority of small CUs rely on KBV (Knowledge Based Verification) instead of KYC, KBV being just questions and manual reviews. You can manage to successfully open them with lightly doctored stolen IDs.

Now in most guides you’d expect a site to be given as a starter but unfortunately a site cannot be given. Loan methods die super quickly and it’s one of the few types of plays i’m on currently. Will do my best to send you guys off in the right direction.

You need to look for CUs that are small, have a legacy system (out dated system) and in high fraud states. These high fraud states are FL, CA and TX.

The best method to finding these unions is by using the NCUA list of all US CUs https://ncua.gov/files/publications/analysis/federally-insured-credit-union-list-june-2025.zip. Open it in Excel Sort and filter these three columns - STATE (FL, CA, TX) ASSET (Under 1 billion / filter to <1000000000) LOAN TO SHARE RATIO (type >50 in filter).

• Once you have found a CU that you feel like attacking. Prep your fullz, scout KBV answers (Hint: Facebook).

• Join as a member and deposit small legit funds (mule). Build a little bit of history here.

• Request a small personal loan (1k-5k). You’ll need to photoshop a bank statements. This is where people give up because photoshop isn’t most people’s strong suite. These are the two methods I do.

• Open a real bank account (use Chime) with the fullz let it sit for 30d with normal activity.

• Grab dormant logs with fullz. Use that fullz to open the CU and whenever you are ready to tackle that loan download the statement from that bank log and upload it.

• Now we got approved right? Max the lines. Use internal transfers to move funds. Then, ACH push the funds to an aged mule account (Chime 30d +)

• We don’t want to hold dirty money so clean the money (Money Laundering) Chime to Crypto.

• Finally send it off (sell crypto to cash)

Loan Sites for any CS

• https://lendingpoint.com
• https://upgrade.com
• https://lendingclub.com
• https://us.accion.org/small-business-live-restart-grant-fund/
• https://www.navyfederal.org/resources/articles/life/options-for-relief.html
• https://www.badcreditloans.com/
• https://citrus-loans.com/#/https://www.oneusfinancial.com/
• https://www.avant.com/
• https://www.stilt.com/
• https://www.smartbizloans.com/