Have a verifiable name, date of birth and social security number;

Be at least 18 years of age;

Have a credit score that meets the minimum credit underwriting requirements 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; unless s/he has been accepted to one of our partner institutions that provides vocational training and (iv) has a job, job offer, or other verifiable source of regular income; 

Have a U.S. address;

Be a resident of Alabama, Florida, Georgia;

Have a valid e-mail account;

Have a job or job offer he/she has accepted and will start within 6 months or another verifiable source of regular income;

meet our minimum credit requirements;

 have a personal banking account at a U.S. financial institution with a routing transit number;

If an existing borrower, the borrower/applicant must (1) have made on-time payments for the six prior monthly payments, (2) have no more than one outstanding loan at the time of application, and (3) have no more than $50,000 of principal outstanding at the time the loan originates;

If a returning borrower, more than 60 days has passed from the date the applicant paid their prior loan in full, or, if less than 60 days has passed since such payment in full, the last 6 monthly payments made by the borrower were on time.