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 660 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 physical U.S. street address
- Have a job or another verifiable source of regular income;
- Be a resident of the state of Louisiana or one of the Mississippi zip codes listed here;
- Meet our minimum credit requirements; and
- Have a personal banking account at a U.S. financial institution with a routing transit number.