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 AZ, CO, NM or UT;

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 other regular income and does not intend to terminate this source of regular income within the 3 months following the application date;

Meets the minimum credit underwriting requirements then in effect:

At the time they are offered credit: the applicant has a score of 600 or above on at least one of the consumer reports received in connection with their application;

Meets the minimum debt to income requirement that total monthly debt payments listed each of the consumer’s credit report(s) not including rent or mortgage must not exceed 50%.

No bankruptcies on any of their consumer reports within the last 3 years;

No public records on any of their consumer reports within the last 3 years, unless the public records consist only of paid civil judgments or paid tax liens;

No accounts are currently delinquent; and

Fewer than 6 inquiries on each credit report in the last 6 months, not including any inquiries related to a student loan, vehicle loan or mortgage.

meet our minimum credit requirements; and

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