Skip to content

Personal Loans up to $50,000

Checking your rate is free and won’t impact your credit score.

Why choose Universal Credit for a personal loan?

Life can be unpredictable, but a personal loan doesn’t have to be. Universal Credit helps personal loan customers access:

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

What can you do with a personal loan?

A personal loan through Universal Credit can help you take control of your finances so you can focus on what matters most.

Consolidate your debt

Streamline your bills into a single, predictable monthly payment

Pay off high-interest cards

Take control of credit card debt with a fixed rate and payment, and know exactly when you’ll be done with debt.

Cover repairs or other surprises

Don't let life slow you down. Fix your car, repair your roof--we're here for you when you need it with fast funding.

What is a personal loan?

A personal loan allows you to borrow money and pay it back in fixed monthly payments over a specified period, typically at a fixed rate. You can use the money for almost anything. Most personal loans are unsecured (no collateral required), but some lenders offer discounts for securing a loan with a car or a similar asset.

How does a personal loan work?

At Universal Credit, we make personal loans easy

1
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.
2
Choose Your Offer*
Review multiple loan options and decide which offer works best with your budget and your timeline.
3
Fast Funding†
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?

We’ll send the funds to your bank account within one business 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!

Will checking my rate impact my credit score?

No, checking your rate for a personal loan will not impact your credit score. When you check your rate to see what offers you qualify for, we perform a soft inquiry on your credit report, which can only be seen by you and won’t impact your credit score. Once you accept an offer and your loan is funded, we perform a hard inquiry on your credit report, which may impact your credit score and can be seen by third parties.

Ask Us Anything

Provided by Upgrade, Inc.

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

* Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99%. All personal loans have a 5.25% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

† Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

State licenses and consumer information.

Copyright 2024 Universal Credit, Inc.
All rights reserved. Website owned and operated by Upgrade, Inc. Upgrade also does business as Universal Credit and under the names here (together, "Upgrade" or "Universal Credit").

All loans made by our bank partners.

Universal Credit, Inc. BBB Business ReviewTrustedSite Certification Badge