To qualify for a loan, all loan borrowers must:

1. Live within the 55 county area serviced by MidFlorida.

2. Have sufficient credit history to have a FICO score that is at least 660.

3. Have a verifiable annual income of at least $25,000 per year.

4. Request a loan amount between $5,000 and $50,000.

5. Be able to afford a payment that will repay your loan request within 3, 5, and 7 years. 

6. Be a U.S. citizen or permanent resident.

7. Meet our minimum credit requirements. 

8. Have a personal banking account at a U.S. financial institution with a routing transit number;