To qualify for a loan, all loan borrowers must:

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

- Is at least 18 years of age;

- Has a credit score that meets the minimum credit underwriting requirements or, if the applicant does not have a credit score, has a job, job offer, or other verifiable source of regular income;

- Has a U.S. address;

- Is a resident of Washington

- Passes the identity verification and OFAC screening;

- Has a valid e-mail account 

- Has a job or job offer he/she has accepted and will start within 6 months or another verifiable source of regular income and does not intend to terminate this source of regular income within the 3 months following the application date,

- meet our minimum credit requirements; and

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