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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Very easy t do business with your…
Very easy t do business with your company without a lot of duplication in your process.
22 May 2026
This company is amazing
This company is amazing! They loan what you ask for, and it is completed fast. My loan was processed professionally and courteously, and the money was in my account all in 24 hrs.
26 May 2026
You guys gave me a result very fast
You guys gave me a result very fast, so l was impressed.
22 May 2026
Everyone was very polite and helpful!
I very respectable company! Willing to go far and beyond expectations to help you out when you’re in need! And the customer service was phenomenal!
22 May 2026
This was so simple and straight…
This was so simple and straight forward. I was nervous thinking about starting a process of loan searches. This company is not just numbers and keyboards, I was able to speak to a rep super quick who was patient, personable and knowledgeable. She went the extra mile to find the loan just for me. So darn relieved. Thank you. Great company.
6 May 2026
Comparing loans and application process…
Comparing loans and application process is super easy and fast
20 May 2026
Your service is great.
20 May 2026
application process went well
The application process went well
It should be made clear from the start that there is a $259 origination fee
24 May 2026
Swift approval
The loan application process proved effortless and uncomplicated, resulting in swift approval.
19 May 2026
This is the smoothest loan transaction…
This is the smoothest loan transaction I’ve ever been a part of. So far this is a very professional company.
23 May 2026
The best experience ever.
I was treated with respect and utmost courtesy. The loan was approved quickly and the funds were in my account in 2 days. Couldn't ask for a better service.
14 May 2026
Easy to navigate and results were quick.
23 May 2026
Customer service was very quick to…
Customer service was very quick to respond, but the application process needs improvement. Once approved, funding was very timely.
18 May 2026
Giving a chance
The loan process was quick, easy, and very clear. No surprises and I appreciated the chance.
11 May 2026
Very happy experience…
Easy to use application and the process overall was very easy. I was qualified quickly and had my funds in less than 24 hours. I was very impressed with them overa
14 May 2026
Easy process to apply and even easier…
Easy process to apply and even easier to get the money sent to my bank account. This loan enabled us to consolidate 5 different accounts with almost double the interest rate into this one loan.
11 May 2026
Easy process
Easy process. Minimal scrutiny before approval. Money deposited quickly. Terms were favorable.
8 May 2026
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