Yes, you can still qualify for a car subscription with Simba even if you have been declined for a car loan previously. Simba’s evaluation process for car subscriptions is distinct from that of traditional car loans.

While a past loan rejection might be due to stringent lending criteria, Simba's assessment focuses more on your current financial stability rather than past credit issues.

During Simba's application process, a soft credit check is performed which is used to assess your ability to keep up with monthly payments. This check is less intrusive than those typically conducted for loans and focuses on ensuring that you currently have the financial means to manage the subscription effectively. Additionally, Simba considers other factors such as your driving record and the overall risk profile, rather than solely relying on credit history.

This means that even if your credit score isn't perfect, you might still be able to subscribe to a car through Simba if you can demonstrate current financial stability and reliability. It’s an opportunity for individuals who have faced financial hurdles in the past but are now in a more secure financial position to enjoy the benefits of a car without committing to a purchase or traditional finance agreement.