USA National Eligibility Criteria

Last Updated on 09/01/2022

Physical Presence in the U.S.

  • You need to be physically present in the U.S. during the application process.

U.S. Bank Account

  • You need to have a bank account at a U.S. based bank or credit union where you are the primary account holder.
  • We accept joint accounts with spouses or significant others

U.S. Phone Number

  • We need a phone number from a U.S. based carrier
  • You can be on a family plan but it should still be your own personal number
  • We don’t accept business, school, Google Voice, and other online-only phone numbers

U.S. Address

  • You should have a U.S. address in one of the states we are licensed to loan in

  • Currently licensed to lend in: AZ, IL, FL, TX, PA, CA, MI, WA, UT, OH, GA, NY, NJ, MA, VA.

  • We do not accept P.O. Box as a valid address.

Legal/Valid Visa

  • You should have a valid visa for at least 6 months

  • We accept F-1, H-1B, O-1, J-1, L-1, TN, L-1, G-1, DACA, Asylum and more.

  • B1/B2 and several other visas are not eligible.

Please note that this is a beta version of the USA National platform which is still undergoing final testing before its official release. The platform, its software and all content found on it are provided on an “as is” and “as available” basis. USA National platform does not give any warranties, whether express or implied, as to the suitability or usability of the website, its software or any of its content. USA National platform will not be liable for any loss, whether such loss is direct, indirect, special or consequential, suffered by any party as a result of their use of the USA National platform, its software or content. Any downloading or uploading of material to the website is done at the user’s own risk and the user will be solely responsible for any damage to any computer system or loss of data that results from such activities. Should you encounter any bugs, glitches, lack of functionality or other problems on the website, please let us know immediately so we can rectify these accordingly. Your help in this regard is greatly appreciated! You can write to us at this address support email –

USA National is not a bank. Banking Services are provided by Mbanq banking partner, Evolve Bank & Trust, Member FDIC. The USA National Account and USA National Visa® Card are provided by Evolve Bank & Trust, Member FDIC.