If your first linked bank account doesn’t meet Livble’s eligibility criteria during your initial underwriting assessment, you may be given a one-time opportunity to reapply with a different bank account that you own.
This step is only available during your first underwriting attempt when setting up your Livble account. Returning or recurring users won’t see this option.
🏦 When and Why You Might See This
If your first bank connection doesn’t qualify, you’ll see a screen that says:
“Reapply with a different bank account?
Your previous bank account didn’t meet our eligibility requirements. You can try adding a different bank now for one last shot at meeting the eligibility requirements. Make sure to link your primary account and any accounts used for payroll.”
This allows you one final chance to qualify by linking a main bank account — ideally, where your income is deposited.
⚙️ How to Reapply Instantly
Select “Reapply with a Different Bank Account.”
You’ll see this prompt in-app immediately after your first assessment if your first bank account is declined.
Link your main bank account.
Choose the account where your paycheck is regularly deposited (or another bank account that you own if you've already tried your primary). This gives the most accurate view of your cash flow.
Make sure the account is yours.
Joint accounts are accepted, but business or unrelated personal accounts are not eligible.
Submit for reassessment.
Livble will instantly re-evaluate your eligibility based on your new account.
⏳ If You Don’t Have Another Account
If you don’t have another bank account to reapply with right away, you’ll need to wait the standard 90-day period before reapplying.
This wait time gives your cash flow and financial activity a chance to improve before your next assessment.
💡 Why We Encourage Linking All Accounts Upfront
Connecting all of your active bank accounts — especially those used for income deposits and rent payments — during your initial setup helps Livble make a more accurate and fair eligibility decision.
Learn how to do this here:
🚫 Important Limitations
You cannot reapply using the same bank account that was previously declined.
This one-time reapplication only appears after your first underwriting attempt — it’s not available later.
If you don’t have another eligible bank account to connect, you’ll need to wait 90 days before reapplying.
This process differs from reapplying after the 90-day wait period following a full decline.