To qualify for an Ascend Loan, you must:
- Be at least 18 years old, or minimum age to enter a contract in your state
- Apply by yourself (no joint applications)
- Have a valid email account
- Have a verifiable name, address, date of birth, and Social Security Nr
- Have a primary checking account from a depository institution with a minimum of 3 months of transactions
- Have not previously applied for or paid off a loan with Ascend in the past 6 months
- Must be a resident of a State in which Ascend currently lends
You must also display the following credit characteristics:
- Have verifiable independent income over $35,000 (minimum of two-year verifiable income if self-employed)
- Have a minimum FICO credit score of 580
- Have no delinquencies in last 3 months
- Meet our other underwriting scoring criteria that use a variety of credit report and other financial factors to assess and score your credit risk