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 or, if the applicant does not have a credit score, has graduated from or is currently enrolled in (i) an associates degree at an accredited school, (ii) a 4-year (bachelor’s degree) accredited college, or (iii) more advanced degree granting program; 

• 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;

• Meet our minimum credit requirements; and

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