While we work with lenders at for people at all credit levels, most of our lenders will require at least a good credit score (620+). You must have verifiable income of at least $18,000 a year. You cannot have had any bankruptcies or collections in the last three years. You must be 18 years of age or older and you must be a US Citizen. If you meet these basic guidelines, we would suggest you move forward with this application. If you don't, we would suggest waiting to apply with a co-signer who does. Please not: Fast Funding Options and a fee based loan processing company only!As such, you will be charged a loan processing fee if you are approved and accept a loan that we started on your behalf. All fees will be fully disclosed to you prior to your obligations to accept a loan and/or pay the fees. If you have any questions, please call us at (866) 883-6136 before completing this application. Thank you for your business!