Are you likely to qualify?
Five questions, answered here in your browser. Nothing is sent anywhere and this is not a credit decision.
Meeting these does not guarantee approval. We still verify income and review credit before making a decision.
The five requirements
What we assess beyond the basics
Meeting the five requirements makes you eligible to apply. Whether we can approve you depends on the underwriting review, which weighs four things.
- Whether the payment fits. Income against existing obligations. This is the single biggest factor and the most common reason for a decline.
- Recent payment behaviour. The last 12 to 24 months carry far more weight than anything older.
- Verifiability of income. Income we cannot confirm cannot support a loan, however real it is.
- Credit data. One input among several rather than a gate. Fair, limited, and rebuilding credit all regularly qualify.
There is no published minimum credit score, because a score alone does not tell us whether a payment is affordable. More on this is on bad credit installment loans.
What you will need to hand
| Item | Why |
|---|---|
| Legal name and date of birth | Identity verification, as required of licensed lenders |
| Home address | Determines which state's rules apply to your loan |
| Social Security number | Identity verification and the credit report |
| Income amount and source | The affordability assessment |
| Checking account details | Funding the loan and collecting payments |
| Recent statements or a bank connection | Only if income needs confirming; the connection is read-only |
What we cannot do
If you are declined
You receive a written adverse action notice with the specific principal reasons, as the Equal Credit Opportunity Act requires. Most are addressable: apply for a smaller amount or a longer term, verify income through the account it is actually paid into, clear a small existing balance, or wait three to six months of clean payments. You can also request the credit report we relied on, free of charge, within 60 days.
Eligibility questions
Credit scores, income types, age limits, and what happens if we say no.
What credit score do I need?
There is no published minimum. A score is one input alongside income, existing obligations, and recent payment behaviour. Applicants with fair, limited, and rebuilding credit regularly qualify, usually for smaller amounts at higher APRs.
Can I apply if I am self-employed?
Yes. Self-employment counts as a regular income source. You may be asked to confirm it through recent bank statements or a read-only connection to the account your income is paid into.
Do benefits or a pension count as income?
Yes. Social Security, disability, and pension income all count. The Equal Credit Opportunity Act prohibits us from discounting income because it comes from public assistance.
Do I need a bank account?
Yes, an active checking account in your own name. It is used both to fund the loan and to collect your monthly payments.
Can I apply with someone else?
Not currently. All loans are single-applicant. If you are declined, you cannot add a co-signer to change the outcome.
How old do I have to be?
18, or the age of majority in your state, which is 19 in Alabama and Nebraska.
Will you tell me why I was declined?
Yes, in writing, with the specific principal reasons. You can also request a free copy of the credit report we relied on within 60 days of the decision.