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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:

Fixed rates and predictable payments
A loan you can plan around
Fast funding when you need it†
So life won't slow you down
Easy online process and mobile access
To keep you on track and supported
Free credit monitoring
So you always know where you stand

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 financial technology company that has helped more than 5M customers pursue their financial goals since 2017 with $31 billion in affordable credit.

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(877) 418-9765

Monday - Friday, 5am - 7pm PT

Saturday - Sunday, 6am - 5pm PT