Each lender will have different requirements of when they apply online. Some companies need you have an active checking account with direct deposit. Nearly all lenders need you to be employed and making at least $1,000. Keep in mind, the more money you’re looking to borrow the higher the amount will be that you need to make. Also, nearly every lender will need you to be at least 18 years old with no recent bankruptcies. While credit checks are important, you can often qualify for funding with a few small issues on your credit report. Those are the main requirements. Be sure to check with your lender on their requirements as terms and rates will vary by state.