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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Reviews shaping this summary
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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Easy application process
Easy application process, got quick answers back to my questions.
September 12, 2026
An easy
An easy, easy online application, a super fast approval and an a quick deposit.
September 10, 2026
The ease with which I was approved for this loan
The ease with which I was approved for this loan amazed me!
September 8, 2026
was very easy to submit my…
It was very easy to submit my application and the process was very quick the links were easy to follow and the funds came within a few days. Nice doing business with you.
September 4, 2026
Excellent company will always do…
Excellent company will always do business with them
September 1, 2026
Smooth process...
September 3, 2026
I applied for this loan to pay off my…
I applied for this loan to pay off my credit cards. I was waiting and waiting for the money to go into my checking account and it never did. Then a couple of days later, I seen my credit cards were all paid off. You don't get the money, they pay off your debt for you.
September 9, 2026
Flawless
The application was so easy, I was very impressed with their verification and communication methods. No hidden surprises, straight forward.
September 2, 2026
This was a seamless and non-troublesome…
This was a seamless and non-troublesome transaction from start to finish. I appreciated this interaction with Upgrade so much that if I'm ever in need of another loan, it would most certainly be with Upgrade. Ron Boston
September 3, 2026
Overall good
Autopay should be optional. Actual distributed loan amount should be emphasized more. Overall easy to apply for and obtain funds.
September 6, 2026
Process was very easy
Process was very easy. Im very new to Universal Credit Upgrade but looking forward to great experience going forward
September 4, 2026
Fast and good service.
Fast and good service.
All the reps were very courteous and helpful !
August 14, 2026
Quick easy!
August 29, 2026
Helping Hand
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 has saved the day. Now, being in good standing, their affiliates, Universe credit has loan me a helping hand with a personal loan; making payments low,
With yes. Slightly higher interest; still leaving room with a low loan payment to be able to apply more each month to principal balance; which will decrease the amount of time of paying that “higher” interest. Thank you for the helping hand!
August 22, 2026
My experience was great
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 make additional payments or pay off early if I choose.
August 25, 2026
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