Minimum Credit Score: 560
Doorly accepts credit scores as low as 560, much lower than:
Traditional lenders: typically 620+
Most Non-QM lenders: 580–600+
Your credit score is one factor—Doorly also evaluates income stability, down payment, and overall repayment ability.
What Credit Factors Doorly Reviews
We look at:
Payment history
Recent delinquencies
Collections or charge-offs
Credit utilization
Bankruptcies or foreclosures
Credit depth
Doorly uses a holistic approach, not automated score cutoffs.
Does Low Credit Automatically Disqualify Me?
No — many Doorly buyers have lower credit scores due to:
Medical collections
Old utility bills
Limited credit history
Temporary financial setbacks
If your income is strong and your down payment is available, you may still qualify.