To qualify for a loan, all loan borrowers must:

• Have a verifiable name, date of birth and social security number;
• Be at least 18 years of age;
• Have a credit score of at least 640
• Have an address within the United States
• Is a resident of a state where the Creditor offers Covered Accounts, excluding Hawaii, Alaska, Maryland and Nevada;
• Passes the identity verification and OFAC screening;
• Have a valid e-mail account
• Have a job or job offer he/she has accepted and will start within 6 months or another verifiable source of regular income;            
• Meet our minimum credit requirements; and
• Have a personal banking account at a U.S. financial institution with a routing transit number;

If you are an existing borrower, please see our second loan eligibility requirements.