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DTI Error When Applying for a Loan - Breeze - New ESS

This article explains the Debt-to-Income (DTI) error that may occur when applying for a loan. It explains what the error means, why an employee may be unable to proceed with the loan application, and the steps they can take to resolve or address the issue.

A DTI (Debt-to-Income) error occurs when your existing debt obligations are too high compared to your income. Our system uses affordability checks to determine whether taking on additional credit is financially sustainable. If your DTI (Usually 40% of your salary) exceeds the allowable limit, your loan request may be declined or restricted.What we know from real ticketsReal tickets show that DTI errors are usually caused by:
  1. Existing active loans with high monthly repayments.
  2. Recent salary reductions or inconsistent salary payments.
  3. Multiple outstanding credit facilities from Breeze or external lenders.
  4. A high percentage of income already committed to loan repayments.
  5. Credit bureau information indicating active debt obligations.

How to resolve this

  1. Review your current active loans and repayment obligations.
  2. Check whether you have existing Breeze benefits or loans that are yet to be fully repaid.
  3. Allow any outstanding loan repayments to be completed before applying for another facility.
  4. Verify that your salary information on Breeze is accurate and up to date.
  5. If you recently changed employers or salary accounts, wait until additional salary disbursements have been processed and reflected in your eligibility profile.
  6. Try applying for a lower amount if available. Loan access is often linked to affordability and eligibility limits.

Error messages and what they mean

Error Message

What it means and what to do
Debt-to-Income ratio exceeded Your current debt obligations are too high relative to your income. Reduce existing debt or wait for repayments to be completed.
Loan eligibility criteria not met One or more affordability requirements were not satisfied.
Application declined based on risk assessment The system's credit assessment determined that additional borrowing may not be sustainable at this time.
Unable to determine eligibility Some income or credit information may be unavailable. Try again later or contact support.

Frequently Asked Questions

What is DTI?

DTI stands for Debt-to-Income Ratio. It measures how much of your income is already committed to debt repayments.

Does a DTI error mean I am blacklisted?

No. It simply means you do not currently meet the requirements for the loan product.

Can my DTI improve?

Yes. Paying off existing obligations, maintaining consistent salary disbursements, and improving your overall credit profile can improve your eligibility over time.

Contact support via email: support@seamlesshr.com; via phone: 02013306080; on WhatsApp: +2349166536169, or by sending a chat via the chat feature on the system if : 

  • You have no active loans but still receive a DTI error.
  • Your salary information is inaccurate.
  • You recently completed a loan repayment, but eligibility has not updated.
  • You believe your credit assessment contains incorrect information.
Please provide:
  • Employee ID
  • Company name
  • Phone number linked to your account
  • Screenshot of the DTI error
  • Loan product applied for