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Uprova

Uprova
Overall Satisfaction Rating 4.30/5
  • 5 stars
    54
  • 4 stars
    22
  • 3 stars
    11
  • 2 stars
    1
  • 1 stars
    4
Based on 92 ratings submitted in the last year

Uprova, formerly Silver Cloud Financial, provides short-term financial relief for anyone, regardless of credit score. Within minutes, you can receive your approval for a tribal loan between $300 to $1,000. All processes are secure and follow federal and tribal regulations, as well as OLA guidelines. There are no hidden fees or prepayment penalties, and you may qualify for same-day funding.

Uprova Reviews

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Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 14, 2020

A friend referred me to Silver Cloud Financial. Their lending process was very easy and straight to the point. I did everything online. Then once I filled out the application, the approval department called me just with a few more questions, and after that, it was all over. It was nothing long. There was no long drawn out conversation. Customer service has been really nice. I’ve had to call them on several occasions just to lower a payment.

Silver Cloud did help me out because I was owing them some fees during the pandemic while I was off work. They lowered my payment, which did help during the everyday life. I didn't have to stress about trying to pay them the amount that was owed because they did lower my payment. So, I appreciate them for that. You should apply to Silver Cloud. They will work with you.

Uprova response

Hi Lisa! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 31, 2020

    The process with Silver Cloud is easy, convenient and fast. What made me choose them and what's made me continue to go back is that I've been able to get half off my first payment and I've been able to avoid all the predatory fees that Silver Cloud and other people charge for payday loans by paying it back on that first date and getting that half off. They've also been very gracious to extend my repayment time from the two weeks to four weeks without it costing me anything else.

    However, I don't feel like they really consider your commitment to them in the amount that they'll give you. I've been doing it pretty regularly and I needed an amount that was kinda like 200 more than they had offered but they wouldn't increase it. I was a little discouraged around that 'cause I have a pretty super dope track record with them. I'd love for them to consider how they could have their policy of increases be more reflective of the commitment that we're making as consumers. Also, Silver Cloud can set up a precedent by considering terms that are less predatory. The loan repayment ratio is extremely high. The other thing was I could get 800 and I took 500. During the repayment time, I probably needed another 100 but when I called back, they said I'd have to pay off the loan to get a new one. They could consider a way to increase the loan during the term.

    I've done applications on the website and on the phone but even when I've done them on the website, I've gotten phone support. The website is good but it doesn't let me name that I wanna pay it back in one installment. It gives you that full breakdown that's why I've had to call and work with a representative so that I avoid having them do it in installments. It seems like on the website, there's no way to avoid that. Most times, I get my funds the same day when I call in. There was a time where I did the added $25 to get it the same day but I quickly realized that it happens the same day. I feel like I got cheated out of the fee when I did that 'cause they tell you it takes three to five days but it really doesn't.

    It's been really good with the reps. The only time it wasn't so good was the time I called to get the increase and was told I couldn't. I usually have people that are a little bit more solution-oriented and try to find ways to find a solution even if the answer's no. But overall, the experience has been really good and people have been really thought-provoking on how to come up with solutions for my increase. Working with Silver Cloud helped me enhance my ability to be able to meet some economical needs during this COVID crisis in a real way.

    Uprova response

    Hi Melonie! We would like to hear more about this situation involving Silver Cloud Financial and discuss it with you further. Please reach out to us. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 30, 2020

    The turnaround time for processing the loan at SIlver Cloud was quick. It was within the next day. So, that’s a key distinguishing benefit of their services compared to some of these other lenders. The online application was very intuitive, self-explanatory, seamless and streamlined. I felt confident submitting my personal information in the secured portal. For someone who's never done anything like that before or someone who has done something like that, it was very easy to walk through the steps to submit your information for approval.

    When you’re ready to pay off the loan, you have to navigate through a few different panels to get to it. It would be nice to have an easier navigation tool such as a Click Here to pay off the lump sum in full or check your balance. Silver Cloud provided a needed service to people who need quick money. It was very easy to work with their organization.

    Uprova response

    Hi Chris! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 24, 2020

    It's been a while since I found Silver Cloud through a web app. When I looked into them, I did the application and everything was simple. That's what attracted me to them. At first, the process was hard. They had to go through all my bank accounts and my verifications and I don't think it's a bad thing. Everybody wants the easiest way. The first time I applied for a loan took two days and then after that, it gets better and better. It's way easier 'cause they save all your information.

    I had one recently, and it took the same day to get the money in the account. They did a good job. After going through the hard part, I keep returning to Silver Cloud 'cause of the ease of it. The only thing negative about Silver Cloud is that the payments are higher than most that I've looked into. Loans are temporary and they give how many payments to pay it off, but I would recommend to anybody not to do that. It's good for Silver Cloud, but bad for the consumer. I went over ease rather than the cost, but you pay for it if you're not ready to pay it off within a couple of paychecks.

    Uprova response

    Hi Stanley! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 9, 2020

    I went online and looked for anything on payday loan. Then, I applied for a payday loan online and it sent me a list of companies that would service me, and I chose Silver Cloud. There was documentation that they needed to do, but it was extremely simple. The process usually just takes a day. If I called them early in the morning, I would have it the same day. There was one time it took two days, that was my fault. I had paid my term off in the same day I applied for another one and they had to verify that it went through my account before they could do it.

    I spoke with them and they gave me a favorable term that I could do, so I went with them. I'm happy with their service because they gave me a 30-day pay, or 28 days of pay in full and I really appreciated that. The girl that I talk to every time I call in, is so easy to work with on my terms that if I can't pay the whole thing back on the 30 day, I just pay the interest, and she gives me another 15 to 30 days to do it again. I'm using this to finance my business. This enables me to get inventory and sell it and pay them back. They really help me out.

    Uprova response

    Hi Allan! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: Jan. 22, 2021

    I had been a loyal customer to Silver Cloud spanning several loans which were all paid back in full in relatively and sometimes very short timeframes. Subsequently, I was denied credit and awaited a letter describing the reason. When I received the letter it simply said unable to verify income. When I called to inquire, the loan specialist said Silver Cloud doesn't even use an income verification process. How can I correct something when the staff won't even acknowledge if and how it's done?

    Uprova response

    Hi Eric! We are sorry to hear that you received less than the 5-Star service Silver Cloud Financial is known for. We would like the chance to hear more about this situation. We will be reaching out to you soon. Thank you!

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: Dec. 29, 2020

    I have borrowed from this place 8 times. I have paid back my loan every time. I was going to borrow money again and then they said I could not. I had to wait for a letter 30 days later. It said my information could not be verified. I asked them what that meant and they said they could not tell me. No one could tell me why I could not borrow money anymore after 8 times borrowing money and paying it back. I have a good job and have a bank account with direct deposit. It is a bit strange. Maybe because I pay it back right away, they are not making much money off of me. It is a bit fishy?

    Uprova response

    Hi Customer! We are sorry to hear that you received less than the 5-Star service Silver Cloud Financial is known for. We would like the chance to hear more about this situation. Unfortunately, we are unable to locate an account without information being provided, so please email VOC@SilverCloudFinancial.com with your contact information. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Dec. 1, 2020

    I've used Silver Cloud before and the process was very easy and convenient. It was completed in less than an hour.

    Uprova response

    Hi William! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 19, 2020

    The sign-up process at Silver Cloud was simple. It took 10 minutes. Everything was very smooth and transparent when I worked with their rep.

    Uprova response

    Hi Jwana! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 16, 2020

    The percentage rate is really awful. But other than charging people 700%, it's fantastic that Silver Cloud does what they do. The lending process was super-duper easy and the reps have all been fantastic, helpful, and very friendly. This process isn't something that everybody's excited to do and they were really good about making it a less humiliating experience.

    Uprova response

    Hi Antonia! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Uprova Company Information

    Company Name:
    Uprova
    Website:
    www.uprova.com