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; 

- has a U.S. address;

- is a resident of Georgia, Alabama or South Carolina where the Creditor offers Covered Accounts;

- 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);

- meet our minimum credit requirements; and

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