To qualify for a loan, all loan borrowers must:

• have a verifiable name, date of birth and social security number;
• be at least 18 years of age;
• have a credit score that meets the minimum credit underwriting requirements;
• have a U.S. address;
• reside in an LID designated area of New Jersey, New York, or Pennsylvania; or be an existing member of the Credit Union excluding applicants residing in Maryland, Nevada and West Virginia;
• 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);
• have a job 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.