If I’m denied, am I able to re-apply? You can reapply at any time, but we suggest waiting 30 days from the date of your adverse action notification. Was this article helpful? 13 out of 16 found this helpful Return to top Related articles Why would you deny me if I was pre-approved? If I cancel my application, can I re-apply? What information do you need to verify my employment? Will checking my rate impact my credit score? How does a debt payoff loan work?