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 zip code  that the Creditor offers Covered Accounts, see Appendix A;

- 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);

- meet our minimum credit requirements; and 

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