Basic Eligibility Requirements
Age & Residency
- • At least 18 years old
- • Legal resident of the United States
- • Valid Social Security Number
Income & Employment
- • Regular source of income
- • Minimum monthly income of $500
- • Employment or other verifiable income
Banking
- • Active checking or savings account
- • Account in your name
- • Direct deposit capability
Contact Information
- • Valid email address
- • Working phone number
- • Current residential address
Credit Score Requirements
Credit Score Ranges
Excellent (720+)
Best rates
Good (680-719)
Good rates
Fair (620-679)
Higher rates
Poor (Below 620)
Limited options
What Lenders Consider
- • Credit score and history
- • Debt-to-income ratio
- • Employment stability
- • Payment history
- • Recent credit inquiries
- • Bank account history
Income Requirements
Minimum Income
- • $500+ monthly net income
- • Verifiable income source
- • Stable employment preferred
- • Self-employed income accepted
Income Sources Accepted
- • Employment (full-time, part-time)
- • Self-employment
- • Social Security benefits
- • Disability benefits
- • Retirement income
- • Other verifiable income
What Can Disqualify You
Common Disqualifying Factors
- • Under 18 years of age
- • No verifiable income
- • No bank account
- • Recent bankruptcy (varies by lender)
- • Active military (some restrictions apply)
- • Residing in a restricted state
Tips to Improve Your Chances
Before Applying
- • Check your credit report for errors
- • Pay down existing debt if possible
- • Ensure stable employment
- • Have all required documents ready
During Application
- • Provide accurate information
- • Use your legal name
- • Include all income sources
- • Double-check all details
Ready to Check Your Eligibility?
Complete our quick application to see what loan options are available to you. It only takes a few minutes and won't affect your credit score.
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