Short answer
Per SuperMoney, applicants must be 18 or older (or the state minimum), be a U.S. citizen or permanent resident, have an active checking account, and provide proof of income and government photo ID. There is no stated minimum credit score, but the lender runs a hard credit check.
Requirements at a glance
| Requirement | Reported detail |
|---|---|
| Minimum age | 18, or the state minimum if higher |
| Residency/status | U.S. citizens and permanent residents (green card) |
| Bank account | Active, valid personal checking account |
| Income | Proof of income |
| Identification | Driver's license or other government photo ID |
| Credit | No minimum or maximum score stated; hard credit pull when applying |
| Loan size / term | $200–$2,000; 3–18 months |
| Funding | Typically within 1 business day after approval and verification |
| Credit reporting | Equifax, Experian, TransUnion |
Source: SuperMoney's product page, last updated February 2026. We have not verified these points against the lender's own website.
Documents to have ready
- A government photo ID.
- Recent pay stubs or other proof of income.
- Your checking account and routing number (give these only on the lender's own secure site).
- Contact details that match your ID.
Before you apply
Because a hard credit pull can lower your score slightly and the loan may be repaid by automatic debits, get the APR and total of payments first. Our loan cost page shows how. If you only need to compare lenders, you can submit a loan request through our independent service — see the disclosure for how that works.
Frequently asked questions
Does Buffalo Lake Lending check credit?
SuperMoney reports a hard credit pull when you apply and no soft-pull prequalification option.
Can I get a loan with bad credit?
SuperMoney says applicants of all credit types can apply, but approval and cost are the lender's decision.
Do I need a bank account?
Yes. An active personal checking account is listed as a requirement.
How fast do I get the money?
SuperMoney reports funding typically within one business day after approval and verification.
Sources
Information was gathered from these public pages and checked on October 25, 2026. Pages can change; check the original before relying on it.
Related pages
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Which states Buffalo Lake Lending lends in, according to SuperMoney: the 33-state list, states not listed, and how to confirm availability.
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