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Universal Credit Review

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Sally Herigstad
Sally Herigstad
May. 04, 20214 min read

Universal Credit summary

Universal Credit offers access to credit when you need it, no matter what you need it for. You get a fixed rate and clear pay off date. Universal Credit is powered by Upgrade, Inc., a neobank in business since 2017. It partners with banks and other financial institutions and organizations to originate loans.

Pros

  • Fixed rates and payments with a set pay off date
  • No prepayment penalties
  • Fast cash sent to your bank within a day of verifications

Cons

  • 4.25% to 8% origination fee, deducted from loan proceeds
  • Loans not available to residents of DC, IA, SC, WV
Universal Credit at a glance
3.8

Editorial score

Variety of loan types

Offers all loan types

5.0

Online experience

Online application but no learning resources

3.0

Customer services and support

Multiple ways of reaching lender but limited hours

3.0

Loan amount range

Loan amount up to $50K

4.0

Repayment flexibility

Loan terms up to 60 months

4.0

Universal Credit Universal Credit Visit Universal Credit

Suitable For?

You may want to apply for a personal loan from Universal Credit to get a lower interest rate than you’re paying on your credit cards, to consolidate your debts, or to borrow cash for any purpose. Universal Credit is suitable for borrowers with fair and better credit scores.

Range of Loans on Offer

Universal Credit offers fixed rate, unsecured loans with repayment terms of 36 or 60 months, for a wide rate of purposes:

  • Debt consolidation
  • Credit card payoff
  • Home improvements
  • Unexpected expenses, such as auto or home repairs, medical bills
  • Major purchases, such as weddings, moving, or vacations

Application Process & Requirements

You can apply with Universal Credit completely online. The online application guides you through these steps:

  1. Enter basic information, including how much you want to borrow and what you’ll use it for. You’ll also be asked for basic personal information, and authorization for a soft credit pull.
  2. Review loan offers and choose your loan amount, length of loan, and option for automatic payments.
  3. Enter more complete information, including phone number, SSN, employment information, and bank account information.
  4. Agree to the Truth In Lending and borrowing agreement.
  5. Receive a To-do list of anything else needed, such as verification of your email or employment.
  6. Once approved, money is sent to your bank account within one day.

To apply for a loan from Universal Credit, you must:

  • Be a U.S. citizen or permanent resident, or living in the U.S. on a valid visa
  • Be age 18 or older (19 or older in some states)
  • Have a verifiable bank account
  • Have a valid email address
  • Have a minimum credit score of 580
  • Not be a resident of DC, IA, SC & WV

APRs, Loan Amounts & Repayment Terms

Universal Credit offers loans from $1,000-$50,000 at fixed rates, with set pay off dates. Your rate may be between 10.97% and 35.93%. You can choose to pay your loan off in 36 months or 60 months. There is no penalty for paying your loan off sooner.

All personal loans from Universal Credit require a 4.25% to 8% origination fee, which is deducted from your loan proceeds. For example, if you borrow $10,000, and you pay a 6% fee, the amount deposited in your bank account is $9,400.

Privacy & Security

Universal Credit collects information it receives from you, the credit bureaus, public information, and other sources including card verification checks. 

Your data is kept secure by the use of technical and organizational measures, including:

  • Secure data center with an industry leading infrastructure service provider
  • Security certificates to facilitate secure data transmission
  • Session time-outs
  • Passwords
  • Regular staff training in security awareness

Help & Support

You can reach Universal Credit customer support by email or phone:

  • Email: Support@universal-credit.com
  • Phone: (877) 418-9765 Monday - Friday, 6 a.m. to 6 p.m. and Saturday - Sunday 6 a.m.to 5 p.m.Pacific Time

How Universal Credit Compares


Universal Credit
SoFi
APR
8.93%-35.93%
5.99% - 18.85%
18% - 35.99%
Minimum credit score
580
680
Poor +
Loan amounts
$1,000-$50,000
Up to $100,000
$1,500 - $20,000
Loan term
36 or 60 months
24 - 48 months
24 - 60 months
Suitable for
Borrowers with fair or good credit scores
Borrowers who want to borrow a higher amount
Borrowing from a trusted lender with over 1,500 branches

Universal Credit’s lowest interest rate is higher than competitor SoFi, but lower than OneMain Financial. Universal Credit offers loans to borrowers with a wider range of credit scores than does SoFi. Universal Credit allows repayment in 60 months, vs. a maximum term of 48 months with SoFi. OneMain Financial is a lender in business over 100 years, servicing borrowers with all types of credit histories.

FAQs

Q. Is Universal Credit a bank?

A. No, Universal Credit is a lending platform that partners with banks and other financial institutions.

Q. How does a personal loan differ from using a credit card?

A. Unlike credit card accounts, your interest rate on a Universal Credit loan never changes and you know when your loan will be paid in full. 

Q. Am I assured of getting a loan if my credit score is above 580?

A. Universal Credit also looks at income, income stability, and other factors before approving loans.

Q. How can I get an interest rate discount?

A. You may qualify for a rate discount if Universal Credit pays off your credit cards directly. You also save on interest if you set up automatic payments through your bank.

Summary

Universal Credit is an online lending platform that partners with lenders to offer unsecured, personal loans to meet your cash needs. With a Universal Credit loan, you have the same interest rate and payment for the life of the loan, and you know ahead when your loan will be paid off.

Address

275 Battery Street, 23rd Floor

San Francisco, CA 94111, USA

Universal Credit Universal Credit Visit Universal Credit

Methodology

Elaborate on how you gathered information to create this review:

  • Company website 
  • Reviews on topten site
  • Fact sheet provided

This review was prepared with information from the company website and from the fact sheet provided. The information about competitors is from topten reviews.

Disclaimers

Personal loans made through Universal Credit feature APRs of 8.93%-35.93%. All personal loans have a 4.25% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 27.65% APR (which includes a 22.99% yearly interest rate and a 6% one-time origination fee), you would receive $9,400 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

Sally Herigstad
Written bySally Herigstad

Sally has been writing about personal finance since 1998 and is the author of “Help! I Can’t Pay My Bills” (St. Martin’s Griffin). She is a licensed real estate broker in Washington state and a retired certified public accountant. She also writes regularly for MSN Money, Interest.com, Bankrate.com and Motley Fool, and has been a guest on Martha Stewart radio and other programs. She writes for BestMoney and enjoys helping readers make sense of the options on the market.

Universal Credit
Universal Credit
ExcellentReviews 178
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Trustpilot reviews

See what some costumers are saying about Universal Credit
Universal Credit
ExcellentReviews 178
on
Excellent
74%
Great
18%
Average
4%
Poor
2%
Bad
2%
  • author
    David
    a day ago
    Good process

    The process was quick & easy. Everything u need to know when getting a loan was disclosed thru out the process from the date of payment, interest rate & the amount of payment. I would recommend to anyone needed a loan.

    ...

  • author
    Amanda
    4 hours ago
    So far so good

    So far so good but I haven’t had to have any contact yet as it’s all new

    ...

  • author
    Lisa V
    a day ago
    They responded quickly to my questions…

    They responded quickly to my questions and it was an easy process

    ...

  • author
    Michael Swaney
    2 days ago
    Approval process took weeks

    Approval process took weeks and final approval wasn’t verified through phone call like emails indicated.

    ...

  • author
    Mardalena Gallo
    2 days ago
    This was so easy and quick

    This was so easy and quick! I got my money within next day!! Thank you so much!!!

    ...

  • author
    Louis
    3 days ago
    I Love the special Representative…

    I Love the special Representative customer service is Great, and caring. I had no Problems from the beginning and through the entire loan process. I would recommendation for the company is satisfactory.

    ...

  • author
    James Demmelmaier
    3 days ago
    Overall Experience

    The process took much longer than it should have. The system to upload documents was occasionally difficult. Time on hold for phone calls was extremely long.

    ...

  • author
    Gwen W
    3 days ago
    This process of applying and receiving…

    This process of applying and receiving my Loan was Easy and Quick! Thanks!

    ...

  • author
    Cynthia Bishop
    3 days ago
    I was surprised when I was approved

    I was surprised when I was approved. Not the worst credit, but still needs work. Not a paycheck loan so the payments aren't ridiculous.

    ...

  • author
    Marian Stefan
    3 days ago
    Very fast and easy applicstion to fill…

    Very fast and easy applicstion to fill out.

    ...

  • author
    Barbara Horton
    Jun 11, 2021
    Every easy process.

    Every easy process.

    ...

  • author
    Martrice G
    Jun 10, 2021
    Grateful!!!

    I was in desperate need of funds for my cats surgery. I applied for a loan with Upgrade. I was approved and received my funds in time to pay off the Vet bill. I can’t thank you enough for approving me for the loan when I really needed it. Forever grateful!!,

    ...

  • author
    Chavanna Fluker
    Jun 10, 2021
    I asked for a specific amount was…

    I asked for a specific amount was approved same day fast friendly service

    ...

  • author
    GREGORY
    Jun 10, 2021
    Easy and professional

    Easy and professional

    ...

  • author
    alisshael
    Jun 10, 2021
    Easy loan process

    I had an emergency and needed to borrow cash. The loan process with Universal Credit was the fastest, simplest and easiest loan I have ever applied for. I have good credit and thar may have helped the process. I didn't even have to speak to a loan officer. The loan was approved and the cash was in my account the next day. Auto payments have been set up with the same account making pay back easy.

    ...

  • author
    customer
    Jun 09, 2021
    Fast and Easy

    It was very fast and easy to apply and get approved. Process was very well explained

    ...

  • author
    JOSEPH HINDERLIITER
    Jun 09, 2021
    great over all

    great over all

    ...

  • author
    Saul Noel Aquino
    Jun 09, 2021
    This is one of the best ways to get a…

    This is one of the best ways to get a loan everything was upfront and ease thank you

    ...

  • author
    Stephen Cole
    Jun 08, 2021
    Fast approval and sends to your account…

    Fast approval and sends to your account within 24hrs.

    ...

  • author
    Sarah Ingalls-Howard
    Jun 08, 2021
    Upgrade was fast and professional.

    Upgrade was fast and professional.

    ...

  • author
    Jack Willis
    Jun 08, 2021
    Quick response

    Quick response. Quick service.

    ...

  • author
    Scott Woods
    Jun 07, 2021
    Universal Credit and Upgrade made the…

    Universal Credit and Upgrade made the whole process simple. Would definitely recommend them for unsecured lending.

    ...

  • author
    Janet Pestana
    Jun 07, 2021
    very professional and very fast the…

    very professional and very fast the help of your loan ... excellent service🙏

    ...

  • author
    Bret Stanley
    Jun 07, 2021
    Could not figure out how to reply back…

    Could not figure out how to reply back to tell how someone has been helping me. Had to make phone call to figure things out.

    ...

  • author
    Don Kraher
    Jun 07, 2021
    The process was straightforward and…

    The process was straightforward and painless. I could not have been happier with the process, results and follow-up customer service. Thank You!!!

    ...

  • author
    Joya
    Jun 07, 2021
    The reason I gave 4 stars is because it…

    The reason I gave 4 stars is because it took over 10 days to get a response on my loan application. I was approved but the status of my loan stayed in review status until I finally made contact with a representative. Once I made contact, the process went smoothly. The rep was very helpful and knowledgeable. He made sure all my documents were completed and sent the loan through for final review. I received my funds three days later.

    ...

  • author
    Danice Florek
    Jun 07, 2021
    Was easy and quick with very fast…

    Was easy and quick with very fast response.

    ...

  • author
    Amy Hughes
    Jun 06, 2021
    The process was very easy

    The process was very easy. I was pleased with how I was treated.

    ...

  • author
    Chantel Patterson
    Jun 03, 2021
    Great customer service

    Great customer service. Very professional

    ...

  • author
    Philip Pai
    Jun 03, 2021
    This was very fast and easy to use

    This was very fast and easy to use. Would recommend.

    ...

  • author
    EMILY ARKLANDER
    Jun 02, 2021
    Fast

    Fast, easy and affordable.

    ...

  • author
    Lynette
    Jun 02, 2021
    This was a very easy

    This was a very easy, convenient process. Thank you so much.

    ...

  • author
    Kali Martin
    Jun 02, 2021
    Such a big help to me and my loved one

    Such a big help to me and my loved one

    ...

  • author
    Chris Mouser
    Jun 01, 2021
    Very fast and deposits in a timely…

    Very fast and deposits in a timely matter.

    ...

  • author
    shawn thomas
    Jun 01, 2021
    Just a little slow with the…

    Just a little slow with the authorization

    ...

  • author
    Terry Reinard
    Jun 01, 2021
    They do not make it clear that your…

    They do not make it clear that your application is complete and have very long wait times on the phone

    ...

  • author
    Mary Bell
    Jun 01, 2021
    Online application was quick and easy

    Online application was quick and easy, was kept informed of process step by step. Customer service outstanding in providing answers to questions.

    ...

  • author
    Eugenia Chinsman
    Jun 01, 2021
    Universal Credit came through for me in…

    Universal Credit came through for me in at a time I needed help. I will recommend them to everyone I know who needs financial help. Thank you.

    ...

  • author
    John Hickman
    Jun 01, 2021
    I applied for a loan within a few days…

    I applied for a loan within a few days I got a response that my loan had been approved it was very easy very fast information exchange was very quick I really thoroughly enjoyed the application process and I appreciate the opportunity to get a loan I appreciate it

    ...

  • author
    Christopher Freitag
    May 31, 2021
    Just wait for it.

    I applied for the loan. I was not told I was approved. I waited several days then I received my loan. Grateful, but I could have used more communication.

    ...

  • author
    Earl Dickerson
    May 30, 2021
    Yes I put in for a loan and got it…

    Yes I put in for a loan and got it they treated me good l will l tell my friends about upgrade thank you Earl Dickerson

    ...

  • author
    Russbigtigger
    3 days ago
    I Give Upgrade Universal Credit 5 Stars…

    I Give Upgrade Universal Credit 5 Stars The Whole Process Was Easy The Application Was Easy To Fill Out And The Customer Service Representatives Were Very Knowledgeble And Helpful Everything Went Smooth It Was A Great Experience Overall

    ...

  • author
    KEN
    May 30, 2021
    Everything went well with the…

    Everything went well with the application process. They returned a decision quickly.

    ...

  • author
    Juan Rios
    May 27, 2021
    Expensive loan but I didn’t have many…

    Expensive loan but I didn’t have many choices. I borrowed 6k but because of an initial fee, it was only 5.4k and if i pay this off until 3 years.. then I’ll be paying a total of 8.4k dollars.. if I would’ve had a choice i wouldnt have taken this loan to be honest. I’m basically paying 50% of my “overall” loan. Very expensive but also fast service.

    ...

  • author
    Ms. B
    May 27, 2021
    The process was very easy and user…

    The process was very easy and user friendly. Gone are the days of going to a bank and signing endless documents or waiting days for a decision. Once approved the funds were in my account in 2 days. I was able to start my renovation project sooner than I anticipated!

    ...

  • author
    RoseMarie Green
    May 27, 2021
    This company is everything it claims to…

    This company is everything it claims to be . They helped me when i really needed the help the most. I am a willing & extremely happy client. & would recommend them to anyone. God Bless this Company

    ...

  • author
    Tony Mejia
    May 26, 2021
    Loan

    Simple and easy. Funds was in my back i. 24 hr

    ...

  • author
    Robin Dotson
    May 26, 2021
    Good experience

    My experience with your service was very good. It was a quick and efficient process. I would recommend your company to my friends and family

    ...

  • author
    Tracy B
    May 26, 2021
    Quick & Easy process

    Quick & Easy process! I got Approved in two days and my loan deposited in my bank account the next day! They offer credit monitoring as well, which will be super helpful — I can watch my credit score improve!

    ...

  • author
    Kelly
    May 26, 2021
    I applied for a loan and got approved…

    I applied for a loan and got approved with no problem. My monthly payments are low and I thought they would be high! I would recommend them to any one.

    ...

  • author
    Luis Ortiz
    May 25, 2021
    Really came through for me when I…

    Really came through for me when I needed the help and money on my way to a better place with my credit thanks.

    ...

  • author
    Bonnie Voight
    May 24, 2021
    Easy to use site and instructions were…

    Easy to use site and instructions were user-friendly. Prompt response to loan request and funds were deposited in a timely manner.

    ...

  • author
    D. Green
    May 23, 2021
    651 to 721 Thanks to Universal Credit!

    I recently paid off my car and my score went down 19pts for the pay off. So I downloaded Experian so I could see what I needed to do to try to get my score up. They kept recommending credit cards, which I didn't want to do. I then saw if I paid off a little over 3,000 of the 7,000 credit debit I was utilizing my score would go from 651 to 721. I was not late on the payment nor was it in collections. I just used my cards so often that I never got them under 30%. They gave me options for consolidation loans and I could apply before they ran my credit to see which one approved me. So, I took advantage. It was the easiest thing to do. Then before I knew it the funds were in my account, in less than 3days. I used some of the funds to pay off a card directly which took a bit longer for my credit card company to apply the payment. But a few days later my card had a 0 balance. Now I'm just waiting on my score to shoot up. Another great thing is, my score only went down 3pts because of the hard inquiry from the loan. Not bad at all.

    ...

  • author
    Donald
    May 22, 2021
    Needed a few thousand to help fill in…

    Needed a few thousand to help fill in some gaps, got approved for more a little more than I needed after getting denied everywhere else, massive help thank you Upgrade for coming through. Reasonable APR and monthly payment, I would recommend

    ...

  • author
    Gloria
    May 22, 2021
    Great service

    Great service! Thanks!

    ...

  • author
    Eve
    May 21, 2021
    The process to get approved was over…

    The process to get approved was over the course of three weeks. I feel this is excessive when they were provided with everything on day one. Only complaint. Received funds quickly after approved and payments are easy.

    ...

  • author
    S mabe
    May 20, 2021
    I am very thankful to have found…

    I am very thankful to have found upgrade&Universal credit my loan went great which is important when all of seems to be big hills to climb! Ihope we can be partners for many years thank you both for help A+ with me s.mabe

    ...

  • author
    Ron Hjelmstad
    May 19, 2021
    Good company to work with

    Fast and easy to use

    ...

  • author
    Jesus Perez
    May 18, 2021
    I seen a tv commercial about home…

    I seen a tv commercial about home Foundation because my home has some foundation issues so i made some calls and the contractor sent me a link for help to pay in installments so i went on line and applied for a loan and in next day i was approved i was so happy i emailed the contractor and told him i have received the loan he responded back to me the next day to set appointment all happened in less than a week now we will have our house repaired i want to thank you all for this we are both disabled and need help.

    ...

  • author
    Eric L Lamb
    May 18, 2021
    The process was very simple and fast…

    The process was very simple and fast and received my loan the next day! Very easy to apply and get approval.

    ...

  • author
    Chenelle S
    May 18, 2021
    Quick and effortless

    I was able to get a loan with no hassles or issues! It was quick and I received a direct deposit right into my bank account with a day or two. Thanks Upgrade!

    ...

  • author
    RB
    May 18, 2021
    Easy to use with a great customer…

    Easy to use with a great customer service department.

    ...

  • author
    Joe
    May 17, 2021
    Your excellent service got me the loan…

    Your excellent service got me the loan in time to finish paying my roofers. Thank you Joe

    ...

  • author
    Jesse
    May 17, 2021
    Very smooth response

    Very smooth response. No problems with the online process. Actually it works way better than other sites. And very secure.

    ...

  • author
    uniquelyme
    May 17, 2021
    The application process...

    The application process was relatively easy and quick. I was awaiting response to see if any other items were needed. That process went on for about 2 days. I called to inquire a couple times and was told it took at least 24hrs to process, called back the next day and information was sitting in limbo. The representative was professional and expedited my application and things went pretty quickly after that. No additional information was needed, and I was funded within about 24-48 hrs.

    ...

  • author
    Leon Porras,Dolores Porras
    May 17, 2021
    Satisfied Customer

    Upgrade application process and on line transactions was easy and timely.

    ...

  • author
    Ron
    May 16, 2021
    Very pleased with the application…

    Very pleased with the application process and the response time.

    ...

  • author
    Customer Ray H. Briones
    May 16, 2021
    Too long of a process

    Too long of a process. Customer representatives don't know what they are doing. Very poor customer service.

    ...

  • author
    David A
    May 16, 2021
    Very fast and easy application…

    Very fast and easy application process, prompt acceptance and receiving of fund’s

    ...

  • author
    Kenyatta Cole
    May 16, 2021
    Well thanks for giving me the loan in…

    Well thanks for giving me the loan in my time of need..

    ...

  • author
    Vickey
    May 16, 2021
    Thanks for accepting and approving my…

    Thanks for accepting and approving my application, but I wish it could have been sooner, it took about 3 weeks to process from start to finish, seems as though I sent some of the same documents over and over again. Thank you

    ...

  • author
    Happy User
    May 16, 2021
    Very easy to full out and quick…

    Very easy to full out and quick approval. Highly recommend.

    ...

  • author
    Marc Montanez
    May 13, 2021
    Great

    I really like this site. Basically what makes them soo good is that they don't require collateral and that helps soo much. Hopefully they never change this

    ...

  • author
    Federico Ortiz
    May 12, 2021
    Very professional, personal and very helpful in time of my personal need

    When I was in need of financial help, the personnel in Universal Credit were very helpful and I recommend them.

    ...

  • author
    Jeni Kusherman
    May 12, 2021
    Excellent service

    I had a great experience so far with this loan service and I’m excited for working with him in the future.

    ...

  • author
    Robin Salazar
    May 12, 2021
    The whole process was good and fast

    The whole process was good and fast. The only problem, which is understandable I'm not the only customer, was the time waiting on the phone for verification process. I was on hold for over 2 hours.

    ...

  • author
    Daniel O
    May 12, 2021
    The entire loan process was handled…promptly and professionally!

    The entire loan process was handled quite quickly. The initial application was quite easy. Throughout the loan process it was handled very efficiently and in a professional manner. I'd recommend them to anyone!

    ...

  • author
    Alicia
    May 11, 2021
    Simple, Easy, and Streamlined

    The end to end process was easy, straightforward, and the response time in each part of the process was quicker than anticipated. Thank you for the professional and streamlined service.

    ...

  • author
    Jason
    May 11, 2021
    Process took longer than most

    Process took longer than most. Still waiting on company to payoff another loan. Said it would be 2-3 more weeks. So 2 months from initial application.

    ...

  • author
    Alioune Niang
    May 10, 2021
    Good

    Good costumer service

    ...

  • author
    Michael Rush
    May 10, 2021
    Best loan experience EVER

    This was the easiest, fastest loan process that I’ve EVER experienced. I was expecting a bunch of papers to sign, like a mortgage or car loan but that part was minimal. Then I expected the funds to take days to get to my bank but it was hours. I would highly recommend Upgrade to anyone that needs a loan.

    ...

  • author
    Kenny Burnette
    May 06, 2021
    My experience was very fast and easy

    My experience was very fast and easy. No Hassel nor a headache.

    ...

  • author
    chris wulff
    May 06, 2021
    Thank you for helping me out when no…

    Thank you for helping me out when no one would. The loan really helped me out in a big way. Thanks again.

    ...

  • author
    Ruth Larson
    May 06, 2021
    Ruth

    I am very happy with this loan

    ...

  • author
    Sherri F.
    May 06, 2021
    The application process was very easy

    The application process was very easy, and approval was quick. Got my loan direct deposited into my bank account in two days!

    ...

  • author
    Ryan
    May 05, 2021
    The experience was very simple to…

    The experience was very simple to follow and I had the funds in my account within a few days.

    ...

  • author
    Linda S.
    May 04, 2021
    Very Easy Application process

    I filled out the Application and gave the required documents the process wasn’t difficult uploading documents was easy the entire application was not complicated. I received the loan amount I wanted within a payment range I needed. I recommend Universal credit. Thanks!

    ...

  • author
    Tammy Bennett
    May 03, 2021
    Over all the customer service was good

    Over all the customer service was good, people were very kind and helpful. I also want to Thank you for the loan, I can now buy my mobility scooter so that I can get out and about.

    ...

  • author
    John Evans
    May 02, 2021
    Overall the process was smooth

    Overall the process was smooth. My only complaint was their explaination of the proper way to fill out the 4506T needs to be improved upon. Perhaps emphasize "funding will not be approved unless" ---------------- (fill in the blank). The blank should be in bold dark letters, underlined, and in yellow". This way most people would perhaps get it right the 1st time.

    ...

  • author
    Rodney Belin
    May 02, 2021
    Great Team to work with

    Great Team to work with

    ...

  • author
    Alonso Rodriguez
    Apr 30, 2021
    Great company

    Great company, fast an easy

    ...

  • author
    Audrey Mosley
    Apr 29, 2021
    I was very amazed at the quick and easy application process

    I was very amazed at the quick, easy, and non-threatening application process. One minute I received an email notice stating my application was being reviewed. When I awoke the next day, the funds had been deposited into my bank account. I couldn’t believe it! I highly recommend Universal Credit to anyone in need of emergency funds.

    ...

  • author
    Anonymous
    Apr 29, 2021
    Super easy and quick!

    Loved the ease of Upgrade, they gave quick responses to my loan inquiry and low interest rates to help me take control of my debt and start to pay it down quicker! The app is great as well, very user friendly and straight forward process to navigate through your account. Thank you Upgrade!

    ...

  • author
    George
    Apr 28, 2021
    Quick and easy

    I can just say it was quick and easy process plan and simple.

    ...

  • author
    Lacie Kuhlmeyer
    Apr 27, 2021
    Very easy to use

    Very easy to use! I was approved within an hour. All I had to do was submit a picture of my photo id and I was done!

    ...

  • author
    Cleonice Glanert
    Apr 27, 2021
    Awesome services

    Awesome services! I was approved in minutes and the money was in my account the next day!

    ...

  • author
    Clifford baker Jr
    Apr 27, 2021
    4 Star Service

    My experience with Upgrade was fast,efficient and very easy. Customer service was knowledgeable and helpful with the load application which made for a great experience.

    ...

  • author
    Juanita Hopkins
    Apr 26, 2021
    This transaction was fast with no…

    This transaction was fast with no complication. Many KUDOOS!

    ...

  • author
    Robert Dow
    Apr 25, 2021
    Person in need.

    I needed this loan to help a person in great need for surgery. I was given 7500 for the the loan. It took way to long to get and what you took from me in interest was beyond belief. Plus you took 500 from me on top of that. I only took this to help someone in need of surgery, otherwise I would of refused this offer quickly!!! Thank you for the money . I was in a bad situation. Never again.

    ...

  • author
    Nash Martinez
    Apr 25, 2021
    Thank you..

    Thank you... easy and fast!

    ...

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