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 where the Creditor offers Covered Accounts, see Appendix A;
• 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);
• Have a job;
• meet our minimum credit requirements; and
• have a personal banking account at a U.S. financial institution with a routing transit number;