To qualify for a loan, all loan borrowers must meet the following criteria:

1. Has a verifiable name, date of birth and social security number;

2. Is at least 18 years of age;

3. Has a U.S. address;

4. Is a current TCF deposit customer (checking, or savings, or CDs, or money market accounts);

5. Is not a resident of West Virginia or Massachusetts;

6. Has a valid e-mail account;

7. Has a full time job, a full time job offer starting in 6 months , a regular part time job or another source of regular income;

8. meet our minimum credit requirements; 

9. If an existing borrower on the TCF Bank Loan Program, the borrower/applicant must (i) have made on-time payments for your 6 previous consecutive payments, with no failed payments , (ii) have no more than one outstanding loan in the TCF Bank Loan Program at the time of application, and (iii) have no more than $35,000 of total principal outstanding at the time the loan originates.

10. If a returning borrower, more than 60 days must pass from the date the applicant paid their prior loan in full or, if less than 60 days has passed since such payment in full, the last 6 monthly payments must have been made on time.