To qualify for a loan, all loan borrowers must:

• Have a verifiable name, date of birth and social security number;
• Be at least 18 years of age;
• Have a credit score that meets the minimum credit underwriting requirements, or has a job, job offer, or other verifiable source of regular income; 
• Have a U.S. address;
• Be a resident of the state of Maine;
• Pass the identity verification and OFAC screening;
• Have a valid e-mail address;
• Have a job or job offer he/she has accepted and will start within 6 months or another verifiable source of regular income and does not intend to terminate this source of regular income within the 3 months following the application date,
• Meet our minimum credit requirements; and
• Have a personal banking account at a U.S. financial institution with a routing transit number;