100 frequently asked questions
Clear answers covering applications, credit, program selection, payments, accounts, projects, privacy, decisions, and support.
Applications
001What information is needed to apply?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
002Does applying guarantee approval?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
003What is prequalification?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
004Is prequalification a soft credit inquiry?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
005Why do you ask for annual income?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
006Can I apply with a co-applicant?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
007How long does review take?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
008Can I save an application and return later?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
009Can I correct an application after submission?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
010What happens if information cannot be verified?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
Credit and underwriting
011How does a consumer report affect the decision?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
012Which credit score is used?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
013Can I qualify with limited credit history?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
014What is debt-to-income ratio?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
015Why might an application require documents?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
016What is conditional approval?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
017What is an adverse-action notice?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
018Can a declined application be reconsidered?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
019Does checking my own credit hurt my score?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
020How can I dispute a credit-report error?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
Programs and pricing
021What programs are available?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
022What does APR mean?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
023How is APR different from the interest rate?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
024What is a promotional 0% program?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
025What is the $1,000 down payment used for?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
026How is the monthly payment estimated?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
027Can the final APR differ from the illustration?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
028Can I change programs before final approval?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
029Are there origination or administrative fees?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
030Can I pay the balance early?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
Payments
031When is the first payment due?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
032Can I pay with a debit card?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
033Can I pay with a credit card?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
034Why can I not email my card number?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
035How does automatic payment work?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
036Can I change my payment method?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
037What happens if a payment fails?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
038Are partial payments accepted?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
039How are payments allocated?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
040Will I receive a payment receipt?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
Accounts and statements
041How do I create an account?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
042How do I reset my password?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
043Where can I see my application status?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
044Where can I see my selected program?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
045How do I update my address?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
046How do I update my telephone number?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
047How often are statements issued?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
048Can I download past statements?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
049How do I change communication preferences?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
050How do I report suspicious account activity?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
Projects and contractors
051Which home-improvement projects are eligible?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
052Can I use my own contractor?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
053Must the contractor be licensed?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
054How are project funds disbursed?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
055What happens if the project cost changes?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
056Can funds be used for materials only?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
057What happens if the contractor cancels?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
058How are refunds handled?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
059Can I finance more than one project?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
060Is financing secured by my home?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
Privacy and security
061How is my information protected?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
062Who can access my application?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
063Do you sell personal information?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
064How are cookies used?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
065What is multifactor authentication?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
066How are verification codes protected?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
067How long are records retained?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
068How do I submit a privacy request?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
069How do I recognize phishing?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
070Will Silver Rock ask for passwords by email?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
Electronic records
071What does electronic consent mean?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
072Can I request paper copies?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
073Can I withdraw electronic consent?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
074How do I download an agreement?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
075What browser or device is required?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
076How is my electronic acceptance recorded?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
077Why must I scroll through the terms?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
078Is selecting a program the final loan contract?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
079When do I receive final disclosures?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
080Can I print the consent record?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
Decisions and notifications
081How will I know a decision was made?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
082Will I receive an email after approval?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
083Can I receive text notifications?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
084What does underwriter review pending mean?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
085What happens after approval?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
086When should I contact my contractor?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
087What happens after a decline?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
088Can an approval expire?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
089Can approval conditions change?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
090Who can explain a decision?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
Support and accessibility
091How do I contact Customer Service?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
092How do I contact underwriting?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
093How do I report a payment issue?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
094How do I request accessibility assistance?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
095Is the website available in Spanish?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
096How do I change the language?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
097How do I submit a complaint?
Prequalification allows an application to continue to program selection and underwriting; it is not final approval, a promise to lend, or a funding commitment.
098How do I apply for a career?
Final pricing and obligations appear in the definitive disclosures and executed agreement. Review those documents carefully before accepting credit.
099How do investors request information?
For account-specific assistance, use the secure portal or contact customerservice@silverrockusa.com. Do not send passwords, verification codes, or full payment-card information by ordinary email, text, or chat.
100Where are the office locations?
Silver Rock provides the applicable details during the application and underwriting workflow. Requirements can vary by program, verification results, jurisdiction, and the final creditor or servicer.
