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 credit score of at least 500; 

- Have a U.S. address;

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

- Be eligible for membership with Heritage FCU;

- Meet our minimum credit requirements; and

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