Greenline Loans eligibility requirements
Greenline Loans has one of the most permissive eligibility screens in US consumer lending — the whole point of the tribal installment loan model is to serve borrowers that banks and most online lenders reject. But permissive isn't the same as universal. Here's what Greenline actually requires in 2026.
The baseline requirements
- Age: At least 18 years old. Alabama and Nebraska require 19+; Mississippi requires 21+.
- Residency: US resident with a valid Social Security Number. Must live in a state where Greenline Loans currently operates.
- Government ID: Valid driver's license, state ID, passport, or military ID.
- Income: Regular, verifiable income — employment, self-employment, Social Security, disability, pension, or other recurring income all qualify.
- Bank account: Active US checking account in your name, open at least 30 days, in good standing. Required for direct deposit and ACH repayment.
- Contact: Valid email address and phone number (ideally a mobile that can receive SMS verification).
What's not required
- Minimum credit score: Greenline does not publish a floor. Borrowers with scores from the 400s have reported approval.
- Collateral: Loans are unsecured — no vehicle title, home equity, or deposit required.
- Co-signer: Not offered. Loans are issued solely in your name.
- Minimum income threshold (public): Not disclosed. Underwriting looks at your overall income-to-debt profile and recent cashflow.
- Employment at a specific tenure: No stated minimum, but longer, stable income is favored.
Income verification — what counts
Greenline Loans accepts most forms of regular income:
- W-2 employment (full-time or part-time)
- 1099 self-employment, with sufficient history
- Social Security retirement benefits
- Social Security Disability (SSDI) or Supplemental Security Income (SSI)
- VA disability or military retirement
- Private pension or annuity income
- Unemployment compensation (some states)
- Child support or alimony received regularly
Verification is usually done through automated bank statement analysis after you connect your checking account during the application. Manual document upload is a backup if automated verification fails.
What disqualifies you
- Active bankruptcy — you cannot take new credit while a bankruptcy is pending
- Open payday loan deferred-deposit transaction in the same billing cycle (some states)
- Prior Greenline loan in collections or charged off
- Residence in a state where Greenline Loans does not operate
- Military service member or dependent, in some loan tiers (the Military Lending Act caps APR at 36% for active duty, which conflicts with Greenline's pricing)
- Prepaid debit card or savings-only account instead of a true checking account
- Unverifiable income or unverified identity
The Military Lending Act carve-out
The federal Military Lending Act (MLA) caps APR on consumer credit extended to active-duty service members and their dependents at 36%. Because Greenline Loans' typical APR vastly exceeds that cap, Greenline generally does not extend new loans to MLA-covered borrowers. If you are active-duty military, your spouse, or a dependent, your application will typically be declined — this is a feature, not a bug, and the MLA exists to protect you from exactly this product category.
What's checked at application
- Identity verification (SSN, DOB, address) against databases
- Soft credit pull — does not affect your score
- Automated bank account verification (Plaid or similar)
- Income cashflow analysis from bank statements
- Debt-to-income screen
- State and MLA eligibility screen
If you're approved — what the hard pull looks like
When you accept a loan offer, Greenline runs a hard credit inquiry. This typically lowers your FICO score by 5–10 points for up to 12 months and remains on your report for 24 months. The on-time payment history that follows can rebuild (and in some cases improve) your score — Greenline reports to credit bureaus.