To qualify for a loan, all loan borrowers must:

- Have a score of 680 or above on at least one of the consumer reports received in connection with their application;

- Meet the minimum debt to income requirement that total monthly debt payments listed each of the consumer’s credit report(s) not including rent or mortgage must not exceed 45% of projected pre-tax income;

- Not have accounts that have moved to collections or been partially or wholly charged-off within the last 3 years unless such account (i) is at least 1 years old, (ii) has an industry type government, utilities, cellular, or medical accounts, and (iii) if charged-off, has an unpaid balance under $1,000;

- Not have bankruptcies on any of their consumer reports within the last 3 years;

- Not have public records on any of their consumer reports within the last 3 years, unless the public records consist only of paid civil judgments or paid tax liens;

-Not have accounts that are currently delinquent; and

- Fewer than 6 inquiries on each credit report in the last 6 months, not including any inquiries related to a student loan, vehicle loan or mortgage;

- Meet our minimum credit requirements; and

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