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Eligibility

Who can apply for an Everstead loan.

Our products are designed for U.S. residents who meet a set of basic requirements. Below you'll find the common requirements plus the specifics for each product.

Basic requirements

The essentials every applicant must meet.

Meeting these requirements does not guarantee approval. Every application is reviewed on the information provided.

  • At least 18 years old
    Borrower must be of legal age to enter into a contract.
  • U.S. citizen or permanent resident
    With a valid Social Security Number or Taxpayer ID.
  • Government-issued photo ID
    Driver's license, state ID, or U.S. passport.
  • Verifiable income
    Employment income, self-employment, retirement, or other documented sources.
  • U.S. bank account in your name
    For disbursement and repayment.
Product-specific requirements

Each product has its own criteria.

Select a product to see what's required for that specific loan type.

Personal Loan

Flexible funds for life's planned and unplanned expenses.

$1,000.00–$50,000.00
Amount range
Must be 18 years or older, a U.S. citizen or permanent resident, have a valid government-issued ID, verifiable income, and a U.S. bank account.
View full product details

Business Loan

Working capital for small businesses and sole proprietors.

$5,000.00–$250,000.00
Amount range
Business must be registered in the U.S. and operating for at least 12 months. Applicant must be an authorized signer. Business and personal financials may be required.
View full product details

Emergency Loan

Fast funds for unexpected expenses.

$500.00–$5,000.00
Amount range
Must be 18 years or older, have verifiable income, and a U.S. bank account. Emergency expenses must be documented where applicable.
View full product details

Debt Consolidation Loan

Combine multiple debts into one monthly payment.

$2,500.00–$75,000.00
Amount range
Must be 18 years or older, have verifiable income, and disclose the accounts being consolidated. Some creditors may not be eligible.
View full product details

Everstead Quick Cash Loan

Fast cash for life's curveballs.

$300.00–$24,000.00
Amount range
Government ID, proof of income
View full product details

Everstead Home Improvement Loan

Build the home you've been imagining.

$10,000.00–$100,000.00
Amount range
Government ID, proof of income, proof of homeownership, contractor estimate or project description
View full product details
How we review

Fair and consistent review.

Every application is reviewed based on the information you provide. Our decisions are based on factors such as your income, existing obligations, requested amount, and the accuracy of the documents you submit.

We do not make lending decisions based on race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), receipt of public assistance, or good-faith exercise of any right under the Consumer Credit Protection Act — consistent with the Equal Credit Opportunity Act and other applicable federal and state laws.

If your application is declined, you will receive a written notice explaining the primary reasons for the decision, in accordance with the Fair Credit Reporting Act where applicable.

Not sure if you qualify?

Run a quick estimate to see potential payments, or contact us with questions.

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