Eligibility requirements
Know what you need before you apply, so you can finish your application in one sitting. Meeting the basics does not guarantee approval, but it helps.
Applicant getting documents ready to apply
What you need to apply
Six simple things. Most people already have them.
Age 18 or older
You must be the age of majority in your state (19 in some states).
U.S. resident
Available in most U.S. states. You will confirm your state during the application.
Regular income
Pay from a job, self-employment, benefits or other regular income you can verify.
Checking account
An active checking account in your name for verification and, if you accept, funding.
Email and mobile number
Ones you can access, for verification codes and application updates.
Photo ID
A driver’s license, state ID or passport to confirm who you are.
*19 in some states. Requirements may vary by state.
How applications are reviewed
Your offer is based on a combination of factors, not one single number.
Income
Regular, verifiable income to support your payments.
Obligations
How your existing debts and expenses compare with your income.
Credit & history
We look at your income, bank account history and other information you provide, along with credit information where permitted. Checking your options uses a soft inquiry and does not affect your score.
Identity
Verification to protect you and prevent fraud.
Have these ready
- Government-issued photo ID
- Your Social Security number or ITIN
- Details of your income (pay stubs or bank statements)
- Checking account and routing numbers
- A mobile phone and email you can access
What you do not need
- No collateral. These are unsecured loans.
- No paperwork to mail or fax
- No branch visit. Apply from your phone or computer.
- No obligation. You review your offer before you accept.
Questions about qualifying
What are the requirements to qualify?
Typical requirements include being the age of majority in your state, being a U.S. resident, having a verifiable source of income, an active checking account, and a mobile number and email address. Meeting them does not guarantee approval.
Does applying affect my credit score?
Checking your offers uses a soft credit inquiry, which does not affect your credit score. A hard inquiry is made only if you choose to accept an offer. We will always tell you before any hard inquiry is made.
How quickly will I get my money?
Timing depends on when your application is completed and verified, your bank's processing schedule and whether you are approved. Many approved borrowers see funds as soon as the next business day after accepting an offer, though some banks take longer. Funds are not guaranteed by any specific time.
What if my application is not approved?
We will let you know. You may be entitled to a notice explaining the main reasons for the decision. You can apply again after 30 days.