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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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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The ease of the whole process
The ease of the whole process, I was treated with dignity, and not made to feel uncomfortable because I wanted a loan.
July 31, 2026
Experian provided a lead to Universal…
Experian provided a lead to Universal Credit to get a personal loan to pay less interest on my credit cards. The process was simple and after only a few questions, I had a was able to consolidate all my credit cards debt to one monthly payment for 70% less per month. Definitely a great experience.
August 4, 2026
Easy and quick faster than a bank
The application was really easy and the loan was approved very quick. The funds came shortly after. Loans are not usually that quick and easy. I highly recommend upgrade if you need a loan.
July 30, 2026
Application was easy and approval was…
Application was easy and approval was fast! Agent Marcus was very pleasant and knowledgeable!
July 29, 2026
Loan application was easy to complete
Loan application was easy to complete; process and approval moved very quickly; funds were distributed as assigned and without issues; electronic payment plan allows me the freedom to ensure payments are made on time.
July 28, 2026
I was pleased with the no hassle quick…
I was pleased with the no hassle quick and easy loan process you provided. With an excellent credit rating, I was turned down by other creditors with hard inquiry to my credit. My loan was approved within a day, and my loan was in my bank account the next day.
July 22, 2026
Process was easy and smooth
Process was easy and smooth, almost to easy and unbelievable it was to get approved what I needed. Process took a day and funds within a few days.
July 24, 2026
I don’t think I could even image how…
I don’t think I could even image how fast this process was going to be. From filling out an application to receiving the money it was less than 36 hours, and the money was in my account.i wad PLEASANTLY SURPRISED!
July 24, 2026
Service was fast.
July 16, 2026
Ease of process did right what you said…
Ease of process did right what you said you were going to do no unnecessary hoops to jump through. No surprises
July 15, 2026
Everything is going great.
July 20, 2026
Simple and easy.
Their application process was simple. The terms I was approved for matched the offer that first gained my interest. No bait and switch here. The funding was super quick. I would definitely recommend them to others.
July 15, 2026
Helpful,fast and reliable.
July 12, 2026
Debt Consolidation
How easy it was to work with them and getting an approval along with quick funding
July 15, 2026
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