Personal Identification
You must be at least 18 years old (19 in AL/NE), a legal U.S. citizen or permanent resident, with a valid Social Security Number and verifiable address.
Before you begin
Simple eligibility guidance.
While lending criteria vary by partner, these core fundamentals help you prepare a successful, complete loan inquiry.
Steady Verifiable Income
Lenders evaluate your ability to repay. You should have a dependable income stream—whether from regular employment, self-employment, disability, or pension.
Active Bank Account
An active personal checking or savings account in your name with direct deposit capability is required for electronic verification and funding.
Accuracy is critical to matching
Always enter your legal name as it appears on your government-issued ID. Discrepancies between your address, phone number, employment details, or routing number can result in automated verification flags that halt provider evaluation.
Meeting these baseline guidelines does not guarantee an offer. Each lending partner applies its own underwriting models, debt-to-income limits, and credit thresholds.