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Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Knock's account

Finanso.Multilogin™

How to register an account

To create your account, visit the company's website and click "Get started." Then choose one of two options:

  1. Choose I'm only buying and don't need to sell the house (Knock GO™) and your state from the drop-down list. You will see a notification if the company does not work in your state. Then you choose where you are in the process of your new home. The company offers you their certified agents if you don't have an agent. Then you'll be asked how you knew about the company and your credit score. And in the end, you have to fill out your personal information: name, phone, email, accept all terms and conditions and click the "Continue" button.

  2. Choose I'm buying and also have a house to sell (Knock Home Swap™) and enter your current address and your property address. After that, specify the details of your property, such as the property type, year built, the square feet, number of bedrooms, bathrooms, half-bathrooms, and other questions about your property and amenities. Then you'll be asked how you heard about the company and where you are in the process. The company offers you their certified agents if you don't have an agent. Then they ask about your credit score and your financial situation. Finally, fill out your personal information (name, phone, email) and click the "Submit" button.

How to reset a password

You should go to the company website and click 'Log in.' Then click the 'Forgot password' button and enter your email address. You will get an email with password reset instructions.

How to delete an account

To delete your account, please connect to the company via email. Request the elimination of all the details. You will no longer be a customer.

FAQ

How to create an account on Knock?

You should visit the company website, click "Get started," and follow the instructions.

How to delete an account from Knock?

If you want to delete your account, email the company address.

Calculate loan payments in Knock

Knock calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
i

Enter the desired loan amount

USD
USD
50000 $
475000 $
Loan term
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Specify the loan term for the calculation

years
months
5
30

What to focus on before applying for a loan with Knock

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Knock and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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