Applicants must be at least 18 years old, have a steady source of income (or have been recently employed) and demonstrate a need for the loan (i.e. emergency, education, medical bills, special needs or home healthcare).

Applicants must have legal U.S. residency status, such as citizenship, green card, work permit or white card.

Applicants must be permanent residents of Montana.

Secure one or two qualified Montana cosigners (based on loan amount). This is to ensure payment and allow us to help others in the future. We do not accept any other forms of collateral.