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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Thanks so much right on time!
October 10, 2026
Friendly interaction with phone…
Friendly interaction with phone representatives. Quick and fairly easy application process
October 1, 2026
Best loan experience ever Fast approval minimizes paperwork and…
Fast approval minimizes paperwork and money transfer fast.
October 5, 2026
Easy
Ease of application and speedy funding. We got a great rate better than other offers.
October 2, 2026
Great Loan Opportunity
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 around great experience.
October 1, 2026
Initially very frustrating
Initially very frustrating. After submitting the required documents, I was still asked for more information. After several days of submitting and waiting, I received a phone call advising that I needed to call because my account was under review. I called, and the agent stated I needed to stay on the phone as he reviewed the final steps (I didn't get that). Because I needed to be somewhere, (I thought the call would be quick), I advised that I would need to call back because my time was limited. The next day (which I am thankful for), I received the email that my loan was approved.
September 25, 2026
Quick friendly processing
September 23, 2026
Applying for the loan was very quick…
Applying for the loan was very quick and it’s very flexible on its payment plans. I love the fact that no collateral is needed and it’s an easy process. This is my go to when I need to get things handled right away.
September 28, 2026
It was completed in a timely mannet
September 25, 2026
rude and ridiculous they released the…
rude and ridiculous they released the money before contacting me
September 24, 2026
SMOOTH & SIMPLE
The application process was smooth and simple. There was no jumping through hoops to get approved. We were surprised how quickly and easily our loan was finalized.
September 20, 2026
The application process was straight…
The application process was straight forward and easy to complete. Loan approval was fast as well.
September 17, 2026
Very easy and efficient transaction
September 21, 2026
Fast courteous and helpful
Fast courteous and helpful. Thanks for making the process easy
September 26, 2026
The Upgrade website was easy to use
The Upgrade website was easy to use, with very efficient application and processing!
September 15, 2026
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.