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Submitted URL: http://www.universal-credit.com/
Effective URL: https://www.universal-credit.com/
Submission: On October 23 via api from US — Scanned from DE
Effective URL: https://www.universal-credit.com/
Submission: On October 23 via api from US — Scanned from DE
Form analysis 1 forms found in the DOM
<form class="form" aria-label="Check Your Rate">
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<option value="CREDIT_CARD">Pay off Credit Cards</option>
<option value="DEBT_CONSOLIDATION">Debt Consolidation</option>
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<option value="HOME_IMPROVEMENT">Home Improvement</option>
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</form>Text Content
Skip to content * Sign In PERSONAL LOANS UP TO $50,000 * Fixed rates and predictable payments * No prepayment fees * Fast funding† Loan Amount ($1,000 to $50,000) Pay off Credit CardsDebt ConsolidationBusinessHome ImprovementLarge PurchaseOtherLoan Purpose Check your rate Checking your rate is free and won’t impact your credit score. * Fixed rates and predictable payments * No prepayment fees * Fast funding† HOW IT WORKS WITH UNIVERSAL CREDIT 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? 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. Ask Us Anything * Company * About Us * Personal Loans * Debt Consolidation Loans * Resources * Terms of Use * Help Center * Privacy * Accessibility * Do Not Sell My Personal Information Provided by Upgrade, Inc. 275 Battery Street, 23rd Floor San 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. NMLS ID 1548935 - Additional information about our state licenses can be found here Copyright 2023 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. Continue without Accepting DO NOT SELL OR SHARE MY PERSONAL INFORMATION Upgrade does not sell your personal information. When you visit our website, we store cookies on your browser to collect information. The information collected might relate to you, your preferences or your device, and is mostly used to make the site work as you expect it to and to provide a more personalized web experience. However, you can choose not to allow certain types of cookies, which may impact your experience of the site and the services we are able to offer. Click on the different category headings to find out more and change our default settings according to your preference. You cannot opt-out of our First Party Strictly Necessary Cookies as they are deployed in order to ensure the proper functioning of our website (such as prompting the cookie banner and remembering your settings, to log into your account, to redirect you when you log out, etc.). For more information about the First and Third Party Cookies used please follow this link. More information Allow All MANAGE CONSENT PREFERENCES STRICTLY NECESSARY COOKIES Always Active These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information. PERFORMANCE COOKIES Always Active These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance. TARGETING COOKIES Always Active These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising. 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