To qualify for a loan, all loan applicants must:

1. Have a verifiable name, date of birth and social security number;

2. Be at least 18 years of age;

3. Have a credit score that meets the minimum credit underwriting requirements;

4. Have a US physical address;

5. Be a resident of North Carolina, South Carolina or Virginia;

6. Have a valid e-mail account;

7. Have a job or another verifiable source of regular income;

8. Meet our minimum credit requirements;

9. Have a personal banking account at a U.S. financial institution with a routing transit number;

10. If an existing borrower, the borrower/applicant must (1) have made on-time payments for the six prior monthly payments, (2) have no more than one outstanding loan at the time of application, and (3) have no more than $50,000 of principal outstanding at the time the loan originates;

11.  If a returning borrower, more than 60 days has passed from the date the applicant paid their prior loan in full, or, if less than 60 days has passed since such payment in full, the last 6 monthly payments made by the borrower were on time.