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Support Home Verification Can I use my household or spousal income? Can I use my household or spousal income? No. Since this is a personal loan, we only take your personal income into consideration. Was this article helpful? 3 0 Related Questions: Can I change my loan application after it has been submitted? You will not be able to edit your application once...… What can I use the loan proceeds for? You can use your loan proceeds for almost anything. The...… Can I negotiate the rate or my loan terms? No, you cannot negotiate the loan terms or rate. Your...…