To qualify for a loan, all loan borrowers must meet the following criteria:

1. Have a verifiable name, date of birth, and social security number;
2. Be at least 18 years of age;
3. Has a credit score that meets the minimum credit underwriting requirements or, if the applicant does not have a credit score, has graduated, or will graduate this year, with (i) an associates degree at an accredited school, (ii) a 4-year (bachelor’s degree) accredited college, or (iii) more advanced degree granting program; and (iv) has a job, job offer, or other verifiable source of regular income; 
4. Be a US citizen;
5. Must not be a resident of American Samoa, Connecticut, Guam, Hawaii, Iowa, Maine, Maryland, New York, Nevada, Northern Mariana Islands, Oklahoma, Oregon, Puerto Rico, US Virgin Islands, Vermont, Washington DC, or West Virginia;
6. Have a valid e-mail account;
7. Have a job or job offer he/she has accepted and will start within 6 months or another verifiable source of regular income that equals at least $12,000 per year and does not intend to terminate this source of regular income within the 3 months following the application date;
8. meet our minimum credit requirements;
9. Have been deemed by the risk algorithm to require an annual percentage rate (“APR”) that is below our APR cap, currently  35.99%;
10. Have a personal banking account at a U.S. financial institution with a routing transit number;
11. If an existing borrower, the borrower/applicant must (i) have made on-time payments for your 6 previous consecutive payments , (ii) have no more than one outstanding loan at the time of application, and (iii) have no more than $50,000 of total principal outstanding at the time the loan originates.
12.  If a returning borrower, more than 60 days must pass from the date the applicant paid their prior loan in full or, if less than 60 days have passed since such payment in full, the last 6 monthly payments must have been made on time.