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Is Universal Credit legit?

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Universal Credit

Universal Credit is a legitimate online lending platform that allows borrowers to apply for personal or debt consolidation loans. Loans are available up to $50,000, and borrowers can check their rates for free and with no impact on their credit score.

  • 138 Reviews analyzed
  • 3/2/23 Verified not a scam

What is Universal Credit?

Founded in 2017, Universal Credit is owned by online lender Upgrade. It offers unsecured personal and debt consolidation loans to borrowers with a range of credit scores, including those with poor credit. Universal Credit’s rates and repayment terms are competitive, and funds are typically available within one business day of approval.

What consumers say about Universal Credit

Customer service and ease and speed of the application process typically received positive feedback from borrowers. Some borrowers did report issues with the company’s app and online platform, and others complained about fees and delays in funding their loans.

ConsumerAffairs currently has no reader reviews for Universal Credit.

» MORE: Read about Universal Credit

Review aboutLoan processCustomer serviceSpeed of process
Positive experience742544
Negative experience881

Universal Credit information

Age of business6 years
Year founded2017
Headquarters275 Battery Street, 23rd Floor, San Francisco, CA 94111, USA
Phone Number(s)(877) 418-9765
Is website secureYes
Forms of contact availableOnline form, phone, email, mail
Trade organization membership
States of operation26 states

Alternatives to Universal Credit

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