We take several factors into considerations when determining eligibility:

  • Income and debt
    • We can work with incomes as low as $1,200 per month, as long as other debts are not excessive. We strive to promote responsible lending, and will not encourage borrowers to obtain more debt than they can afford.
  • Credit
    • We can work with credit scores as low as 620 in some cases, and we will accept approved non-traditional credit such as rental history, utility payments, or cell phone contract payments. Other pay histories can be considered, but must be approved.
  • If you feel you do not meet eligibility requirements, we have options for counseling available to help move you in the right direction.