We use a number of different data points to determine the total loan amount of your offer (e.g. income, employment history, credit score). Ultimately, we want to make sure that you can afford the loan and consistently make your payments.
Sometimes this means we can’t offer you as much as you are requesting. However, if you move forward with a Vault loan and make your payments on time (or pay off the loan early), you could continue to build you credit and become eligible for a larger amount or lower rate in the future.