In order to apply for a loan, the following criteria have to be fulfilled:

• Citizen or Permanent Resident or possess a valid passport and employment pass (for foreigners)
• Above 21 years of age and should not be undischarged bankrupt or facing any bankruptcy proceedings
• Employed and working and foreigners should have a valid work permit. In case if the applicant is self-employed, a valid income proof is required such as bank account statement or Income tax filling proof (Form B).
• Availability of documents supporting your proof of residence (utility bills with your name or phone bill)