> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.padsfinancial.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What happens if my application is denied?

If your application is denied, you will receive a notification with the reasons for the denial. You may have the option to reapply after addressing the specific concerns.