Funding Criteria

Minimum 650 Credit Score.

No late payments, delinquencies, judgments, evictions, repossessions, charge-offs, or other negative credit reporting within the last 2 years.

No more than 6 inquiries within the last 6 months.

No new lines of credit or revolving accounts within the last 6 months.

Minimum 6 months at the same job with 1 year of continuous W-2 employment history and annual income of at least $32,000.

Self-employed/1099 applicants must be in business for at least 2 consecutive years with provable net income of $32,000 annually after write-offs.

Retirement or disability income accepted with minimum annual income of $32,000.

Ideally no more than 60% total credit utilization during the last 3 months.

Any bankruptcy must have been discharged for at least 2 years.

Applicant must be 72 years of age or younger.

Applicant cannot reside in California or lowa.