To qualify for a loan, all loan borrowers must:

• Has a verifiable name, date of birth and social security number;
• Is at least 18 years of age;
• Has a credit score that meets the minimum credit underwriting requirements; 
• Has a U.S. address;
• Is a resident of a state that the Creditor offers Covered Accounts;
• Passes the identity verification and OFAC screening;
• Has a valid e-mail account (meaning that UNI has checked the format of the address and, before funding, verified the consumer’s ability to send and receive mail at that address);
• Has a job or job offer he/she has accepted and will start within 6 months or another verifiable source of regular income and does not intend to terminate this source of regular income within the 3 months following the application date,
• meet our minimum credit requirements; and
• have a personal banking account at a U.S. financial institution with a routing transit number