What do you need to apply for eLoanWarehouse?

To apply for eLoanWarehouse you need: US citizenship or permanent residency, be 18 or older, an active checking account with direct deposit, a regular source of income, a valid phone number and email address, and not be in an excluded state (NY, PA, VA, CT) or active-duty military.

Does eLoanWarehouse require a minimum credit score?

No — eLoanWarehouse does not have a minimum credit score requirement. They accept applicants with bad credit, no credit, or past bankruptcies. They use a soft credit inquiry and focus on income and banking history for approval decisions.

eLoanWarehouse Requirements

eLoanWarehouseLoans.com Editorial Team

Consumer finance researchers · June 26, 2026 · Reviewed monthly · Fact-checked against CFPB, BBB & official eLoanWarehouse disclosures

✓ BBB Verified ✓ CFPB Data

eLoanWarehouse has relatively flexible eligibility requirements compared to traditional lenders. Here is a complete breakdown of what you need to qualify for an eloan warehouse installment loan.

Basic Requirements

Age: You must be at least 18 years old
U.S. residency: Must be a U.S. resident with a valid government-issued ID
State eligibility: Not available in New York, Pennsylvania, Virginia, or Connecticut
Military status: Active-duty military members, spouses, and dependents are NOT eligible

Financial Requirements

Income: Must have a verifiable source of direct deposit income (pay stubs, bank statements showing regular deposits)
Minimum income: Your take-home pay must meet eLoanWarehouse minimum income requirements (not publicly specified — varies by loan amount)
Checking account: Must have an open checking account that meets the "bank account minimum opened duration" requirement
Bankruptcy: Must not be a debtor in an active bankruptcy case or intending to file

Credit Requirements

eLoanWarehouse does not require good credit. They use a soft credit inquiry that does not affect your score. Approval is based more on income stability and banking history than on your FICO score. People with scores below 500 have been approved.

What You Will Need to Apply

Full legal name, date of birth, Social Security Number
Current address
Employment or income information
Checking account number and routing number
A working phone number (you will receive a verification call)

Not Eligible If…

You live in NY, PA, VA, or CT
You are active-duty military or a military dependent
You are in active bankruptcy
You cannot provide verifiable income
Your checking account is too new (exact duration not publicly disclosed)

eLoanWarehouse Eligibility Requirements

Basic Requirements

Financial Requirements

Credit Requirements

What You Will Need to Apply

Not Eligible If…