Is The New Way To Get A Loan

Get Qualified For A Loan Without A Credit Score

The days of needing a credit score to get a loan are over. Using the patented Passport® system from FormFree®, you can qualify for a loan in minutes. NO CREDIT SCORE REQUIRED.

As Seen In

As Seen In

Generate Your Medallion™

Getting Qualified For A Loan With Passport Is Simple

*FormFree does not sell your information for marketing campaigns

Step 1

Sign Up With Passport

Sign up with Passport to quickly and easily get a loan. Passport is completely FREE TO USE.

Step 2

Provide Your Information

Enter your information into Passport so we can generate your financial profile. FormFree’s security procedures meet the highest standards of security used by banks. Your data is ALWAYS ENCRYPTED AND PROTECTED.

Step 3

Generate Your Medallion And Start Receiving Loan Offers

Using your financial information, Passport generates your Medallion, showing lenders your borrowing power. Using your Medallion, PASSPORT HELPS GENERATE LOAN OFFERS for you and only shares your personal information once you have accepted an offer.

Less Discrimination=More Opportunities

We Are Here To Fix The Broken Lending Industry

After being denied for a loan based on her credit score, Kiara used Passport to secure a $20,000 personal loan.”

“I did everything I could to get a loan, but my credit score is poor. I used Passport and got the loan I needed to pay down my debt.”

0 %
of Black Americans have a 659 credit score or lower
0 Million
Hispanic Americans have a 659 credit score or lower
0 Million
Americans have no credit score or a credit score too low to get a loan
0 %
of Black Americans have a 659 credit score or lower
0 Mil.
Hispanic Americans have a 659 credit score or lower
0 Mil.
Americans have no credit score or a credit score too low to get a loan

Passport Removes Human Bias And Creates A Secure Environment

Click “Get Started” to sign up and begin the process. It’s FREE to use.

RIKI™ Score (Residual Income Knowledge Index)

RIKI Score
(Residual Income Knowledge Index)

Using your banking data, we are able to help you determine your ability to pay and borrowing power, generating a RIKI Score and eliminating the need for a credit score

RIKI stands for Residual Income Knowledge Index, FormFree’s patent-pending measure of Ability-to-Pay (ATP®) based on income and spending. Regardless of your race, gender, age or socioeconomic status, we can determine how much you can afford to borrow based on your income and expenses. By analyzing your banking data, we provide lenders with a more complete picture of your financial situation than that provided by your credit score.

Ability To Pay (ATP)

Your RIKI score demonstrates your ability to pay.

Lower Interest Rates

Your RIKI score provides lenders with more information than just your credit score, leading to lower interest rates.

Get A Loan For Anything

After determining your RIKI Score and your ability to pay, you will be able to qualify for home, auto and personal loans.

Your Questions Answered

Your Questions Answered

Check out our most common questions and get the answers you need.

Do I need to have a good credit score?

No! Your credit score has no impact on your ability to pay or your ability to generate loan offers with Passport. Simply go through the application process, upload your financial data by connecting your bank accounts and Passport will generate your Medallion.

Once I signup, what kind of loan can I get?

With Passport, you can qualify for home, auto and personal loans. Personal loans can be used for things like home renovations, home equity line of credit (HELOC), debt consolidation, wedding expenses and large purchases. The possibilities are endless!

Will my credit score be impacted by signing up?

No! Going through the signup process has ZERO impact on your credit score. In fact, you don’t even have to have a credit score to use Passport to get a loan. We do not use your credit score to analyze your ability to pay for a loan.

Is this secure? I am nervous about uploading my info.

Your data is always encrypted and protected. FormFree’s security procedures meet the highest standards of security used by banks.

How quickly will I qualify for a loan?

After completing the signup process, providing your banking information, and generating your Medallion, you will begin to receive offers from lenders in a few hours.

If you don't use my credit score, what do you use?

We have developed a proprietary tool called RIKI that determines your Ability To Pay (ATP) for loans. This gives lenders a better understanding of your financial situation and allows you to acquire a loan with a poor credit score or even without one.

Your Questions Answered

Check out our most common questions and get the answers you need.

No! Your credit score has no impact on your ability to pay or your ability to generate loan offers with Passport. Simply go through the application process, upload your financial data by connecting your bank accounts and Passport will generate your Medallion.

With Passport, you can qualify for home, auto and personal loans. Personal loans can be used for home renovations, debt consolidation, home equity line of credit (HELOC), wedding expenses and large purchases. The possibilities are endless!

No! Going through the signup process has ZERO impact on your credit score. In fact, you don’t even have to have a credit score to use Passport to get a loan. We do not use your credit score to analyze your ability to pay for a loan.

Your data is always encrypted and protected. FormFree’s security procedures meet the highest standards of security used by banks.

After completing the signup process, providing your banking information, and generating your Medallion, you will begin to receive offers from lenders in a few hours.
We have developed a proprietary tool called RIKI that determines your Ability To Pay (ATP) for loans. This gives lenders a better understanding of your financial situation and allows you to acquire a loan with a poor credit score or even without one.

Get Qualified For A Loan Today

Explore the Passport application process today for FREE and start getting loan offers. Your credit score is not used to generate loan offers.

Passport Is Launching Soon!

Be The First To Know When You Can Start Qualifying For Loans

Your info is always encrypted and protected