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:
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
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.