What fees does my agency pay to subscribe?

We charge a simple monthly platform fee starting at $137 per month. You pay month-to-month and can cancel anytime.

Why does the monthly fee seem high?

Your subscription covers far more than software access. It includes the full operational, compliance, and support structure required to run a multi-lender financing program.

• Identity verification
• Underwriting review
• Application + agency notifications
• Portal with dashboard + reporting
• ACH transfer fees
• Online + offline marketing materials to help you promote financing
• Customer support for you and your borrowers
• Email + phone support
• Comprehensive staff training
• Referral + customer support tools

Your subscription is an investment in growing your agency and increasing your approvals.

Does my client pay any fees?

No. Checking for financing offers is free and does not affect your client’s credit score.

How do I get paid?

Funds are deposited directly into your client’s designated bank account. Your agency is notified the moment a client is approved and accepts an offer.

Can I apply additional fees to the client premium plan?

BailRep does not restrict agencies from charging additional premium-related fees. However, agencies should consult with local counsel to ensure compliance with state regulations.

What if my client stops paying the lender?

The lender will contact your client to collect missed or late payments. There is no recourse to you as the agency. You do not owe any repayment if your client defaults.

What is BailRep?

BailRep is a platform that connects families with lending partners who review the application and determine whether to extend loan offers. We are not a lender. We simply make it easier for families to access pre-trial emergency financing options.

How do I get started?

Complete the agency enrollment form and begin pre-qualifying customers right away. Click here to access the Enrollment Form.

How do I get a client approved?

Accuracy is critical. Make sure the customer form is completed correctly and that the applicant meets the basic approval criteria: Valid government ID, SSN, Active checking account, and Proof of income (pay stubs, if required)

When is income verification required, and what documents are acceptable?

Depending on lender requirements, the applicant may need to provide income documentation. Acceptable documents include: Current pay stub, W-2 forms, Tax returns (for employed or self-employed individuals), 1099 forms (for contractors or freelancers), and Retirement income statements (if retired). The required documents depend on the applicant’s employment or income situation.

What if my client doesn’t have a checking account?

Lenders cannot approve financing without an active checking account. A checking account is required for identity verification and funding.

Does using BailRep affect my client’s credit score?

No. During the pre-qualification stage, lenders only perform a soft credit pull, which does not affe, ct credit scores. If the applicant accepts an offer, the lender may complete a hard credit pull to finalize the loan, which can have a minor impact.

What credit score is required to qualify?

Our lending partners evaluate a wide range of credit profiles—from prime to subprime. Offers may be available for credit scores as low as 550, depending on the applicant’s full financial profile. Credit score matters, but lenders also assess factors like income stability and debt-to-income ratio.

Why didn’t my client receive any offers?

Not receiving offers can happen for several reasons. While credit score is important, lenders also consider: Income levels, Existing debts, Banking history, and Identity or documentation issues. For privacy reasons, lenders cannot disclose the exact reason a customer does or does not receive an offer.

How long does client approval take?

BailRep pre-qualifies applicants in 5 minutes or less. This gives families an instant view of potential loan options without impacting credit.

Does receiving a loan offer and accepting it guarantee approval?

Not always. Most applicants who accept an offer proceed to full approval, but lenders may rescind an offer if: Information cannot be verified, Documentation does not match the application, New or conflicting credit report details appear, and Identity verification fails. Final approval depends on the lender completing their verification process.

When will my client receive their funds after pre-qualification?

Once an offer is accepted and the lender validates all required documents, funds are typically deposited into the applicant’s bank account by the next business day. (Some banks may take additional time depending on processing schedules.)

Can I apply for financing through BailRep without going through an agency?

Yes. You can apply directly for emergency financing using our online application.

What is the minimum amount I can finance?

Most lender partners require a minimum financed amount of $1,000.

Does using BailRep affect my credit score?

To determine eligibility, lenders perform a soft credit pull, which does not affect your credit score. If you accept an offer, the lender may run a hard credit inquiry to finalize the loan, which can have a small impact on your score.

Can I have a co-signer?

Yes. Some of our lending partners allow applicants to apply with a co-signer.

What credit score do I need to qualify?

Our lenders review a wide range of credit profiles—from prime to subprime. While credit score is important, lenders also consider: Income and employment stability, Debt-to-income ratio, Banking history, and Documentation verification. Receiving offers is based on a full financial evaluation, not credit score alone.

Does accepting an offer guarantee final approval?

Usually, but not always. A lender may rescind an offer if: Information cannot be verified, Documentation does not match the application, Identity verification fails, and New credit report details appear. Final approval is completed only after verification.

Why didn’t I receive any offers?

Not receiving offers can occur for several reasons. Lenders evaluate several factors beyond credit score, including: Existing debts and credit utilization, Income relative to monthly obligations, Bank account history, and Incomplete or incorrect application details. For privacy reasons, lenders cannot disclose the exact reason an offer was not provided.

If I am approved, when will I receive my funds?

Once you accept an offer and your documents are validated, funds are typically deposited within 24 hours (next business day for most banks) via ACH into your designated account.

Do I have to accept an offer I receive?

No. You are not obligated to accept any offer. You may decline and end the process at any time.

What happens if I miss or stop making payments?

The lender will contact you directly to resolve any missed or late payments. BailRep does not handle repayment or collections.

Does BailRep store my personal information?

We store only the information needed to process your application and support communications. Your Social Security Number is never stored—it is sent securely to our lending partners for credit evaluation and then deleted from our system.