To qualify for a loan, all loan borrowers must:

• Have a verifiable name, date of birth and social security number;
• Is at least 18 years of age;
• Have a credit score that meets the minimum credit underwriting requirements;
• Be a US Citizen or US permanent resident;
• Is a resident of a zip code that the Creditor offers Covered Accounts;
• Passes 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;