Is there a minimum credit score?
No single score applies across the network. Lenders may consider income and banking activity alongside credit history.
Requirements
The short version: age, income, a bank account, and a covered state.
Meeting the basics lets you make a request. The lender still decides whether an option is available.
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Be 18 or olderYou will need to verify your identity.
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Live in an available U.S. stateCheck the current 45-state list.
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Have a valid checking accountA lender may verify it before funding.
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Receive steady incomeThe network baseline is $1,000 per month before tax.
Does a larger request need more income?
It can. The $1,000 figure is only the starting baseline. A lender may expect stronger income or more documents for a larger amount.
What documents could be requested?
Be ready for identity details, income information, pay stubs, bank statements, and checking-account verification.
Does meeting the list mean approval?
No. It means you may submit a request. Approval, amount, and terms depend on the lender’s review.