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 of at least 620, or if the applicant does not have a credit score, he/she has graduated from or is currently enrolled in an Associate’s degree or Bachelor’s degree program at an accredited school;
• Have a U.S. address;
• Be a resident of Arizona, Colorado, Utah, California or Texas; 
• Have a valid e-mail account;
• Have a job 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.