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Federal employee checking loan eligibility
Qualification Guide

BMG Money Eligibility Requirements

Find out which BMG Money program fits your employment situation β€” no hard FICO credit pull, no obligation to apply. Most borrowers know if they qualify in under 5 minutes.

4
Loan Programs
33+
States Available
No FICO
Hard Pull
700+
Qualifying Agencies
Which Program Fits You?

BMG Money Eligibility β€” Which Program Fits You?

BMG Money has four loan programs. The right one depends on your employment or retirement situation.

Federal employee at work
700+
Qualifying Agencies
LoansForFeds Requirements

BMG Money Federal Employee Eligibility

To qualify for BMG Money's federal employee loan program, you must meet all of the following criteria:

  • Currently employed at a qualifying federal agency (GS, SES, WG)
  • Past probationary period (typically 12 months of service)
  • Able to set up federal payroll allotment
  • Resident of a BMG Money licensed state (33 states + DC)
  • 18+ years of age with a valid SSN or ITIN
  • Valid U.S. checking or savings account
  • Not an active-duty military member (MLA restrictions apply)
Military Active Duty: Active-duty members are protected by the Military Lending Act (MLA), which caps MAPR at 36%. Contact BMG Money to discuss your specific options.
LoansForFeds

Agencies Qualifying for BMG Money

BMG Money covers employees at hundreds of federal agencies. Common qualifying agencies include:

Dept. of Defense (DoD)
Dept. of Veterans Affairs (VA)
Dept. of Homeland Security (DHS)
U.S. Postal Service (USPS)
Social Security Admin. (SSA)
Internal Revenue Service (IRS)
Dept. of Justice (DOJ)
Dept. of Treasury
Dept. of Health & Human Services
Dept. of Transportation
General Services Admin. (GSA)
Federal Bureau of Investigation (FBI)
Environmental Protection Agency (EPA)
Dept. of Agriculture (USDA)
NASA
U.S. Courts / Federal Judiciary
Federal Reserve (select branches)
+ 700 more agencies
Retiree Loans
Who Qualifies as a Retiree?
Federal Civilian Retirees
FERS or CSRS pension recipients via OPM
Military Retirees
Army, Navy, USAF, USMC, USCG β€” DFAS retired pay
USPS Retirees
CSRS Offset or FERS Postal retirement
Federal Survivors & Annuitants
Qualifying survivor annuity recipients (state-dependent)
See full retiree requirements β†’
LoansAtWork
Qualifying Employer Types
Hospital networks & clinic systems
Public school districts
Colleges & universities
Defense contractors
State & local government
Nonprofit 501(c)(3) orgs
Transit authorities
Utility companies
Not sure if your employer is a BMG Money partner? Check during the application β€” if not enrolled, you may still qualify for LoansForAll.
See full LoansAtWork requirements β†’
State Availability

Where Is BMG Money Available? (33 States + DC)

BMG Money loans are currently available in 33 states and the District of Columbia. In Illinois, Ohio, and Rhode Island, loans are made by BMG LoansAtWork, Inc. rather than WebBank.

AlabamaAlaskaArizonaArkansasCalifornia ColoradoConnecticutDelawareWashington D.C.Florida GeorgiaHawaiiIdahoIllinois β˜…Indiana IowaKansasKentuckyLouisianaMaryland MichiganMinnesotaMissouriMontanaNebraska NevadaNew HampshireNew JerseyNew MexicoNorth Carolina Ohio β˜…OklahomaOregonRhode Island β˜…South Carolina TennesseeTexasUtahVirginiaWashington Wisconsin

β˜… Loans in Illinois, Ohio & Rhode Island made by BMG LoansAtWork, Inc. List subject to change.

Map of BMG Money availability across US states
33+
States + DC
Eligibility Tool

Check Your Eligibility β€” No Credit Impact

Select your state and employment situation to see which BMG Money program fits you. No hard FICO pull, no obligation.

Common Questions

BMG Money Eligibility FAQs

No hard FICO inquiry is performed. Employment history, tenure, income, and allotment capacity are the primary factors β€” not your credit score. Borrowers with no credit history or past credit problems frequently qualify.

Loan Programs

Comparison Resources

Quick Links

Ready to Apply?

Get Your BMG Money Loan in 5 Minutes

Join thousands of federal employees and retirees who trust BMG Money for fast, affordable emergency funding. No FICO check β€” no obligation until you sign.