To qualify for a loan, all loan borrowers must:

- Have a verifiable name, date of birth, and social security number;

- Be at least 18 years of age;

- Have a credit score that meets the minimum credit underwriting requirements and have a job or other verifiable source of regular income;

- Have a U.S. address;

- Be a resident of a state that the creditor offers covered accounts;

- Pass the identity verification and OFAC screening;

- Have 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);

- Meet our minimum credit requirements; and

- Have a personal banking account at a U.S. financial institution with a routing transit number.