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 that meets the minimum credit underwriting requirements;

- Have a U.S. address;

- Be a resident of New Jersey where the Creditor offers Covered Accounts;

- Pass the identity verification and OFAC screening;

- Have a valid e-mail account;

- Have a job;

- meet our minimum credit requirements; and

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