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; 
• Have a U.S. address;
• Be a resident of a zip code in which 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 the minimum credit underwriting requirements then in effect:
• Meet our minimum credit requirements; and
• Have a personal banking account at a U.S. financial institution with a routing transit number;