As such, you can be assured that a lot of lenders want to lend you their money -- Usually, C/D loans are fairly popular, as they are the top of the yield curve. Although you'll probably be able to get your loan funded with a basic listing, it is especially important for you to create a listing that is as detailed as possible: In the C/D range, the potential benefits gained from having lenders bid down your rate are the greatest. Here are a few things you should address or focus on in your listing:

• Explain derogatory items on your credit report

  If there are derogatory items on your report, you should explain them. You should also give an indication how you are addressing this issue.

• What do you need the money for?

  Many lenders use the use of proceeds to screen for loans that are suitable for them.

• Why are you using autofunding? (If applicable)

  Lenders may wonder why you are using autofunding (If you are planning to enable it). After all, many C/D loans get bid down quite significantly.

Loan information

• As a borrower in this category, its highly probable that loans between $1,000 and $5,000 will be funded. Funding for loans from $5,001 to $10,000 is probable. Larger loans may require significantly larger interest rates.
• It is recommended to not use automatic funding.

For guidance on appropriate interest rates, please consult the table below.
Detailed information is available in our tools section.

Grade	$1,000 - $4,999	$5000 - $9,9999	>= $10,000	Average loan size
C	~15.5%	~16%	~18%	$5,000
D	~18%	~19%	~21%	$3,900

For listings with a DTI of larger than 20%, an additional 2 to 3 percentage points should be added.