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 620; 
• Have a U.S. address;
• Have a job or another verifiable source of regular income;
• Be a resident of a zip code where Carver State Bank offers loans. 
• meet our minimum credit requirements; and
• have a personal banking account at a U.S. financial institution with a routing transit number;