How do I check to see if I qualify for DJI credit??

We all qualify. When you purchase DJI Products, DJI Accessories and if needed, Spare Parts from the DJI Store, you get a 1% rebate from DJI called your DJI Credit. This DJI Store credit can be used for future purchases.

To the best of my knowledge, DJI is not in the "lending/banking/credit" business...

You can learn more about DJI credits here. http://www.dji.com/support/purchase