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 physical U.S. street address

● Have a job or another verifiable source of regular income;

● Be eligible for membership with Cobalt Credit Union;

● Meet our minimum credit requirements; and

● Have a personal banking account at a U.S. financial institution with a routing transit number.