Reapplying for a lower amount won't change the approval decision if nothing else about your application has changed.
The amount you select during the application process gives us a target to reach for, so there's no harm in selecting the maximum amount you'd like to receive.
When we review your application, we consider all amounts up to the amount you've selected. We always offer the most we can safely lend for every application.
For example, if you apply for a $350 loan but our algorithm determines that we can safely lend you $200, you will still be approved for $200.