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;
• Resides in a state that the program is offered - Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, and Wyoming
• 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;