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 that meets the minimum credit underwriting requirements;

• Have a U.S. address

• 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; 

• If an existing borrower, the borrower/applicant must (1) have made on-time payments for the six prior monthly payments, (2) have no more than one outstanding loan at the time of application, and (3) have no more than $50,000 of principal outstanding at the time the loan originates;

• If a returning borrower and more than 60 days has passed from the date the applicant paid their prior account in full, or if less than 60 days have passed since such payment was made in full, then last 6 monthly payments made by the borrower were on time;

• Meet our minimum credit requirements;

• Have a personal banking account at a U.S. financial institution with a routing/transit number.