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 Michigan 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);

 

- 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;