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 or does not have a credit score;
• has a U.S. address;
• is not a resident of Connecticut, Colorado, Iowa, Maine, Maryland, Nevada, New York, US Territories, Vermont, Washington D.C., or West Virginia;
• 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;