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 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;