Basic requirements
- Be at least 18 years old (or the age of majority in your state)
- Be a U.S. citizen or permanent resident living in a state we serve
- Have a verifiable regular source of income
- Have an active checking account in your name
- Provide a valid government-issued photo ID
- Provide a working phone number and email address
What we look at
We consider multiple factors to decide whether we can offer a loan and on what terms:
- Income and employment — can you comfortably afford the payments?
- Existing obligations — your current debts relative to income
- Credit profile — payment history and credit usage
- Bank account activity — stability and history
- State regulations — available amounts and terms vary by state
Tips to improve your chances
- Check your information carefully so it matches your ID and bank records.
- Apply for an amount you can comfortably repay.
- Make sure your contact details are correct so we can reach you.
- Review your credit report and fix any errors first.
Meeting the minimum requirements does not guarantee approval. Final decisions are based on a full review of your application.
Common questions
How much can I borrow?
You can apply for a personal loan from $200 to $5,000. The amount you are offered depends on your state, income and overall credit profile.
How do I apply?
Complete our short online application in a few minutes. You will choose an amount, share basic personal and income details, and review your options before accepting anything.
What do I need to apply?
You must be at least 18, a U.S. resident, have a valid ID, an active checking account, a regular source of income, and a working phone number and email address.
Does checking my options affect my credit score?
Reviewing your options typically involves a soft inquiry that does not affect your score. If you accept an offer, a hard inquiry may be required — we tell you before this happens.