Why am I not able to join another Circle?

Why am I not able to join another Circle?

We carefully consider your income and ability to make the monthly payments when qualifying you for available Circles. If you see a message that there are currently no Circles available, it most likely means that the amount of monthly payments you are already committed to exceed our threshold for what we believe you can comfortably afford.

Once your current Circles end, your monthly payments will decrease and you will be able to afford to join more Circles.