About Universal Credit
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.
Why Choose Universal Credit?
Life can be unpredictable but a personal loan doesn’t have to be. We help customers get:
How can a personal loan help you?
Consolidate your debt
Streamline your bills into a single, predictable monthly payment
Cover the unexpected
Don't let life slow you down. Fix your car, repair your roof--we're here for you when you need it
Pay off high-interest cards
Take control of credit card debt with a fixed rate and payment
Universal Credit is powered by Upgrade, Inc. a neobank that has helped more than 350,000 customers pursue their financial goals since 2017 with billions of dollars of affordable credit.