Personal Loans up to $50,000
Checking your rate is free and won’t impact your credit score.
How It Works with Universal Credit
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.
Choose Your Offer*
Review multiple loan options and decide which offer works best with your budget and your timeline.
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.