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 of at least 680; 
• Have a physical U.S. street address
• Have a job, job offer, or another verifiable source of regular income;
• Be a resident of the following California counties: Alameda, Contra Costa, Stanislaus, San Joaquin, Napa, Sonoma, Marin, San Francisco, San Mateo, Santa Clara, Solano and Sacramento;
• Be eligible for membership with UNCLE Credit Union
• Meet our minimum credit requirements; and
• Have a personal banking account at a U.S. financial institution with a routing transit number.