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About Universal Credit

Mission

Our mission is to provide you with access to credit when you need it most. Whether it is to consolidate debt, fix a leaky roof, pay for auto repairs, or to cover any number of life’s unexpected expenses, Universal Credit is here with easy online access to the money you need, quickly. Our personal loans come with fixed rates and predictable payments that you can budget around.

Why Choose Universal Credit?

Life can be unpredictable but a personal loan doesn’t have to be. We help customers get:

Fixed rates and predictable payments
A loan you can plan around
Fast funding when you need it†
So life won't slow you down
Easy online process and mobile access
To keep you on track and supported
Free credit monitoring
So you always know where you stand

How can a personal loan help you?

Consolidate your debt

Streamline your bills into a single, predictable monthly payment

Cover the unexpected

Don't let life slow you down. Fix your car, repair your roof--we're here for you when you need it

Pay off high-interest cards

Take control of credit card debt with a fixed rate and payment

Universal Credit is powered by Upgrade, Inc. a financial technology company that has helped more than 5M customers pursue their financial goals since 2017 with $31 billion in affordable credit.

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support-universal@upgrade.com

(877) 418-9765

Monday - Friday, 5am - 7pm PT

Saturday - Sunday, 6am - 5pm PT

Provided by Upgrade, Inc.

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

* Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99%. All personal loans have a 5.25% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 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.

† Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one(1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

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All rights reserved. Website owned and operated by Upgrade, Inc. Upgrade also does business as Universal Credit and under the names here (together, "Upgrade" or "Universal Credit").

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