I have had great experiences with upgrade and now Universal Credit. With upgrade they have opened the doors for me when I needed to rent a vehicle or buy a flight through their bypl programs. Which h... See more
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Review summary
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This was a very easy and fast process!! A great opportunity for someone who has less than perfect credit!! Easy applications very fast approval and received my money in less than 24 hours. Just an all... See more
My experience was great. Quick and easy application. Very fast approval. Allowed me to cut the interest rate of my credit card debt by more than half. Fixed payment rate. Love the availability to... See more
Easy, self explanatory. Quick application and and SUPER FAST FUNDING. I am at easy now all my credit cards and signature loans are in 1 loan and so much stress relief to only have to make 1 payment.... See more
Company details
Written by the company
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.
Contact info
275 Battery Street 23rd Floor, 94111, San Francisco, United States
- (877) 418-9765
- support@universal-credit.com
- universal-credit.com
4.7
Excellent
3K reviews
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It was straight forward no run around…
It was straight forward no run around no jumping through hoops
April 22, 2026
Everything was Quick and Fast !!!
April 20, 2026
Would like the option to pay off a loan…
Would like the option to pay off a loan early to save interest - you do not offer this.
April 20, 2026
Easy
Easy, self explanatory. Quick application and and SUPER FAST FUNDING. I am at easy now all my credit cards and signature loans are in 1 loan and so much stress relief to only have to make 1 payment.
April 14, 2026
Abuse of overcharging interest rates
You guys overcharge me on the interest rate. My interest rate that y’all gave me was 17%. Now you jacked me up to 24%.
I’m glad you approved me along, but not very honestly. When you feel people desperate, you take advantage of. I would like to have my interest rate back to 17%. Plus the monthly payment would be a little cheaper to also.
Casa Stuckey
V/R
All Rights Reserved
April 19, 2026
Quick and thorough process
Quick and thorough process. I was also happy with the percentage rate as well.
April 10, 2026
You funded my loan quickly and easily
You funded my loan quickly and easily. This is a really good company to go with. I also got a good interest rate. Thank you for everything!!!
April 9, 2026
It was easy and got good offers…
It was easy and got good offers considering my credit!
April 8, 2026
Easy and fast!
April 7, 2026
Process was fast and easy
Process was fast and easy! Helped me find the best payment plan and best APR! Application was processed quick and loan was provided in a matter of a few days! Highly recommend!
March 31, 2026
The friendlyness of your people
The whole thing from start to finish was quick it only took five days and I was really a pleasure.
April 6, 2026
Scam alert
This is what I sent to my contractor (for the project that I now have to cancel because of this BS "Loan"). "You guys and I have not been properly informed before I processed that loan.
1) it was a hard pull on my credit not a soft pull.
2) the loan that I was forced into paying off instead of you guys is being paid by CHECK! which will take 3-4 weeks for them to get and process. My loan payment that was supposed to be paid off with this new loan is due tomorrow so next month I’ll have to get my bank to issue me a refund for the over paid loan since I have to pay it so that it’s not late.
3) I am not able to cancel just that part of the loan which will not be fully funded for another 3 weeks. (At least, if the check doesn’t get lost in the mail)
4) They already processed a statement for me to pay the new loan that has not been fully funded.
5) And they are making me notify my bank where that check is being sent to have them send the check back to them and have them send me proof that they are sending it back and then I have to send that proof to this new loan funder. But they won’t let me jump through those hoops to cancel just that part of the loan.
6) I have to cancel the full loan by the 10th if I don’t like this process or I’ll be charged $258 to cancel after the 10th."
April 6, 2026
very very fast i have the money in 2…
very very fast i have the money in 2 days no problem thank so much
April 3, 2026
Geting the loan was easy took less than…
Geting the loan was easy took less than 10min. They get back to you was approved in two days it was funded straight to my bank accout the intrest was ok a little more than i expected the payments are are low i would recament anyone looking for a loan to contact Upgrade
April 3, 2026
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