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Personal Loans up to $50,000

Checking your rate is free and won’t impact your credit score.

How It Works with Universal Credit

1
Check Your Rate
Answer a few quick questions and see your rate in just minutes with no impact to your credit score and no obligation.
2
Choose Your Offer*
Review multiple loan options and decide which offer works best with your budget and your timeline.
3
Fast Funding†
Accept your loan offer and you should get your money within a day of clearing necessary verifications.

We're Here to Help

How quickly can I receive my money?

With fast funding, you should receive your funds in your bank account within a day of clearing any necessary verifications.†

Can I pay back my loan early?

Absolutely. If you are ready to pay off your loan early, we welcome you to do so. There are no pre-payment penalties or fees!

Why choose Universal Credit for my personal loan?

With a personal loan through Universal Credit, you get an easy online process, fixed rates and terms that never change, and a clear pay-off date you can circle on your calendar. Our dedicated representatives are ready to help with any questions and you'll get 24/7 mobile access to your account.

Ask Us Anything

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.

NMLS ID 1548935 - Additional information about our state licenses can be found here

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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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