For an application to reviewed and underwritten, applicants must: - Be at least 18 years of age - Reside in one of the states we currently do business in [Kansas, Utah, New Hampshire, Wisconsin, Idaho, Delaware, Tennessee, Michigan and Colorado] - Have a qualifying checking or savings account that has been open for more than 30 days - Have a steady source of income (Self Employed, Social Security and Disability are also acceptable sources of income)