RequirementsFive boxes.
No credit score.
If you can check these five, you can request a loan today. Not one of them is a FICO number.
What you need to qualify
Tap each one that describes you. Nothing is saved or sent — this is just for you.
You need
- To be 18+ and a U.S. resident with a valid ID and SSN
- Regular income — any legal, recurring source
- An active checking account in your name
- A working phone number and email address
- To live in a state where lenders in our network operate
You don't need
- A good credit score. Fair, poor and thin files are considered.
- Collateral. These are unsecured loans — your car stays yours.
- A co-signer. The loan is in your name only.
- Paper paystubs or a store visit. Verification, when needed, is digital.
- A perfect history. Past late payments don't disqualify you.
What "regular income" means
Lenders are not asking where the money comes from — they are asking whether it arrives on a rhythm they can plan a payment around. Any legal, recurring source counts.
*You are not required to disclose child support or alimony unless you want it considered. Lenders typically look for deposits of roughly $1,000+ a month; the payment on your offer must fit comfortably inside it.
Four things to have nearby
Most people upload nothing. But if a lender asks to verify, having these within reach turns a day's delay into a minute.
Driver's license, state ID or passport — a phone photo is fine.
Many lenders verify income through a secure read-only connection; a PDF statement works too.
So the deposit lands in the right place the first time.
Only if asked. Self-employed? Recent deposits usually stand in for it.
The usual reasons — and the fix
- Payment too large for the incomeRequest less, or choose a longer term so the monthly figure fits. Most lenders want it well under a fifth of take-home pay.
- Recent overdrafts or returned paymentsLenders read the last 60–90 days of your checking account closely. A clean two months often changes the answer.
- Details that couldn't be verifiedA typo in an account number or an old address. Re-check and re-apply — it's free.
- State limitsSome states cap small-dollar loans or exclude certain terms. Your state page shows what's available.
- An active bankruptcyMost lenders wait until it is discharged. Lower-cost alternatives may fit better in the meantime.
You can usually re-apply after 30 days. Being declined through Zebit never appears on your credit report.
Do I qualify if…
Is there a minimum credit score?
No. Lenders in our network have no minimum score to apply and weigh income and bank history more than a FICO number. Fair, poor and thin credit files are considered; the APR offered will reflect the risk.
What counts as income?
Wages, self-employment and gig income, Social Security, disability, pension and retirement income, child support and alimony you choose to disclose, and regular benefits. Lenders look for recurring deposits into your checking account.
Do I need a bank account?
Yes — an active checking account in your name. Funds are deposited there and payments are drafted from it. Prepaid cards and savings-only accounts generally do not qualify.
Do I need to upload documents?
Most borrowers upload nothing. A lender may ask to verify income or identity, usually through a secure bank-connection tool or a photo of your ID, before finalizing a loan.
Can I apply if I'm self-employed or on benefits?
Yes. Regular income is the test, not the source. Self-employed borrowers should expect lenders to look at recent deposits; benefits income is accepted when it is regular and documented.
Why might I not get an offer?
Common reasons: income that doesn't cover the payment, a checking account with recent repeated overdrafts, an active bankruptcy, a state where the amount isn't available, or details that couldn't be verified. You can usually re-apply after 30 days.
Then you're three minutes from offers
No minimum credit score, no collateral, no fee to apply. See what lenders in our network can offer you today.
Checking your rate does not affect your credit score.