To qualify for a Ridgewood’s No Fee Personal Loan, all loan borrowers must meet the following criteria:

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

2.) Be at least 18 years of age; 

3.) Is a US Citizen or a US Permanent Resident;

4.) Is a resident of New York, New Jersey, or Connecticut;

5.) Passes the identity verification and OFAC screening;

6.) Have a valid e-mail account.

7.) Have income to support the overall debt obligation, for example: have 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.) Have a personal banking account at a U.S. financial institution with a routing transit number;

9.) Meet our minimum credit requirements;