You can reapply anytime. There's no waiting period — but if you reapply within 30 days of your last application, you're likely to get the same result, because your financial profile is unlikely to have changed enough yet.
Why we suggest waiting around 30 days:
Your eligibility is evaluated against your current financial picture (deposit patterns, account balance, payment history). Reapplying day after day doesn't change the inputs — so the answer doesn't change either. About 30 days is usually enough time for your activity to show meaningful change.
What to focus on between now and reapplying:
Keep your account balance positive. Negative balances and overdrafts are flags.
Build a steady deposit pattern. Consistent income deposits matter more than the total dollar amount.
Pay your bills on time. This includes rent, utilities, subscriptions, anything that touches your account.
When you reapply:
It's a fresh evaluation — your current financial picture, not the old one
You could be approved, denied, or approved for a different amount
No carryover from your previous application
This applies whether you reapply for the same bill or a different one — switching products doesn’t skip the wait, because we’re looking at the same financial picture either way
If you have specific questions about your situation, contact our Support team. We can talk through what's general and help you think through what to focus on.