To qualify for a new loan, applicants must meet all requirements:
1- Maintain an account with a physical, local bank
Examples include PNC, Dollar Bank, Citizens...  Online-only or internet-based banks are not accepted, including but not limited to: Chime, SoFi, Capital One, Discover, Dave, Cash App, and similar services.
2- Have access to your bank’s mobile app
The app must be installed on your mobile device and accessible at the service window. 
3- Show at least 60 days of recurring direct deposits
Deposits must be from the same source and follow a consistent deposit schedule.
4- No recent payday loan or cash advance activity
Bank activity must show no payday loans, cash advances, or similar services within the past 90 days.
5- Account balance requirement
The available balance may not be more than negative $50.00 at the time of review.
6- Account verification required
You must be able to view your routing and account number within your bank app, or provide a personal check.