Age & Identity
You must be at least 18 years of age (19 in Alabama and Nebraska) and hold a valid U.S. government-issued photo ID (Driver License or State ID).
Pre-Application Guidance
Eligibility Requirements
While specific credit standards vary across our 25+ participating lenders, these baseline guidelines ensure a fast, successful request.
Verifiable Income
Maintain consistent recurring income of at least $1,600/month from full-time, part-time, self-employment, or documented benefits/pension.
Active Bank Account
An active personal checking account in your legal name capable of receiving electronic ACH direct deposit loan proceeds upon offer acceptance.
Accuracy & Verification Notice
Always input your exact legal name, current residential address, and correct routing information. Discrepancies between your submitted request and public records can trigger automated verification rejections.
Meeting these general requirements does not guarantee an approval or specific loan offer. Each independent lender conducts its own underwriting review to determine loan amounts, APRs, and repayment schedules.