I have had great experiences with upgrade and now Universal Credit. With upgrade they have opened the doors for me when I needed to rent a vehicle or buy a flight through their bypl programs. Which h... See more
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Review summary
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This was a very easy and fast process!! A great opportunity for someone who has less than perfect credit!! Easy applications very fast approval and received my money in less than 24 hours. Just an all... See more
My experience was great. Quick and easy application. Very fast approval. Allowed me to cut the interest rate of my credit card debt by more than half. Fixed payment rate. Love the availability to... See more
Easy, self explanatory. Quick application and and SUPER FAST FUNDING. I am at easy now all my credit cards and signature loans are in 1 loan and so much stress relief to only have to make 1 payment.... See more
Company details
Written by the company
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.
Contact info
275 Battery Street 23rd Floor, 94111, San Francisco, United States
- (877) 418-9765
- support@universal-credit.com
- universal-credit.com
4.7
Excellent
3K reviews
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ok, interest high
went well but interest to high, took a minute to get income verified but after that was all good
7 July 2026
NO HASSLE/FAST PROCESSING
13 July 2026
It was a quick and efficient process.
1 July 2026
Great experience!
It was a really quick and easy process! Applied in the evening, with in 2 days loan was funded!
7 July 2026
I applied for my loan through Experian
I applied for my loan through Experian. Led me to Upgrade and the process was very smooth.
10 July 2026
It was easy navigating through the…
It was easy navigating through the website got my loan fast and no waiting through the mail. When I called the office representative was knowledgeable and patient
2 July 2026
The first girl was from the pillipines…
The first girl was from the pillipines and couldn’t get anything done so ask for someone else and got someone who really helped me
10 July 2026
The application process was smooth
The application process was smooth. If you have a question they are happy to answer questions and when job necessary to find options.
10 July 2026
The process of applying was easy
The process of applying was easy. I like the lower apr when you apply some of the loan towards credit card debt
All my credit cards are paid off and now I just have 1 easy payment
6 July 2026
The application process was easy
The application process was easy. The response time from the lender was exceptional and funds were available within a couple of days
1 July 2026
It was an easy experience!
2 July 2026
Very professional and efficient.
30 June 2026
Application process quick and efficient.
24 June 2026
It was so easy to apply and choose from…
It was so easy to apply and choose from all the offers. Very easy to understand options. I would recommend this sight to family and friends.
29 June 2026
I found myself in a personal financial…
I found myself in a personal financial need, I am so thankful to find the help in this company. It was a fast and easy process
15 June 2026
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