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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Fast and easy
May 8, 2026
The question were straight and to the…
The question were straight and to the point. My approval came within the same day of applying and the money was in my account the next business day. No hassles.
May 6, 2026
Quick answers to all of my questions
Quick answers to all of my questions, very courteous and professional people to talk to.
May 6, 2026
Very good
Very fast, efficient and loan rate was lower that all of my previous options. No questions and quick qualification
May 4, 2026
Easy and quick turn around getting…
Easy and quick turn around getting approved and funded.
May 6, 2026
Quick and easy!!!
May 1, 2026
It was an easy process to work through.
April 29, 2026
My experience was great because it was…fast and easy
My experience was great because it was fast and easy. Money was funded quickly and that was very helpful
May 5, 2026
I have never had or applied for this…
I have never had or applied for this type of loan. I went online and reviewed the offers, applied with the application "I was really surprised with how simple it was" had money in my account the next day and cards paid off. So far, I would highly recommend.
April 20, 2026
It was a fast and easy process
It was a fast and easy process, received funds in a timely manner
April 23, 2026
you were fast in your reply
April 22, 2026
Highest Praise for Upgrade
This was the most simple experience I have had in trying to file for a loan. All the questions were to the point and straightforward-everything was handled quickly and you received an answer the same day. Will gladly refer friends and family!
April 15, 2026
Absolutely amazing service
Absolutely amazing service, timely, considerate and very helpful.
April 19, 2026
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