To qualify for a loan, all loan borrowers must:

-have a verifiable name, date of birth and social security number;
 

-Is at least 18 years of age;
 

-have a credit score that meets the minimum credit underwriting requirements; 
 

-have a U.S. address;
 

-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 our minimum credit requirements; and

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