Uprova

Uprova

 3.1/5 (28 ratings)
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About Uprova

Uprova is a tribal lending entity offering installment loans as alternatives to traditional payday loans. Uprova markets itself towards borrowers with all credit scores, and its proprietary assessment system checks to see if a customer is a good fit for the brand while also considering if they can actually afford a loan. However, not all applicants are guaranteed approval, and Uprova may run credit checks in certain situations.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
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  • 1 stars

Pros

  • Works with bad credit
  • Fast funding
  • Doesn’t offer payday loans
  • Loan amounts up to $5,000

Cons

  • May check credit
  • Not available everywhere

Bottom Line

Uprova offers fast funding for loans of $300 to $5,000. While tribal loans aren’t available for everyone, the flexibility and accessibility of Uprova’s offerings make the company stand out.

Top Uprova Reviews

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Rated with 5 stars
Verified

My experience with Uprova has been off the charts awesome. I did not even expect that there were people like them still out there. It was top-notch all the way across the board. I...

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Rated with 5 stars
Verified

I love Uprova's lending process. It didn't take long at all. The representative I had was very patient, nice and easygoing. ... I also love the fact that the fees are not crazy an...

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What is Uprova?

Uprova is a company offering installment loans for borrowers with various types of credit. Uprova has an online application and funding process, and it can provide funds in under 30 minutes. The company is wholly owned by The Habematolel Pomo of Upper Lake tribe.

Uprova’s loans are not available to residents of every state, and the Tribe may change the states it accepts applications from. Check Uprova’s website to see if its services are available to you when you’re ready to borrow.

How does Uprova work?

After you fill out Uprova’s online application, you should know if you are approved within seconds of submission. If you’re approved, funding should be available in under 30 minutes.

Uprova doesn’t charge any sort of application fee, but it may check your credit. However, one of Uprova’s standout features is its proprietary assessment tool, which judges your ability to pay back a loan — not just your credit score. Uprova offers loans for a variety of people, credit scores and financial situations (although rates might not be ideal in some cases.)

Uprova loans

Uprova has pages on its website for personal loans and tribal loans. Tribal loans have fixed terms and multiple installments. Uprova is able to offer these loans because it's an arm of the Habematolel Pomo of Upper Lake tribe.

Uprova’s loans are available in amounts between $300 and $5,000. There are no application, origination or prepayment penalties. Uprova states that its loans can be repaid in 20 biweekly payments, which averages out to a little over nine months. A disclaimer on its website corroborates this, stating that terms can range from nine to 36 months. There are no collateral requirements.

Uprova rates

Uprova doesn’t provide much upfront information about its rates, but according to a disclaimer on its website, representative examples might have APRs ranging from 34.5% to 35.99% and terms ranging from nine to 36 months. Check your rate with Uprova to get a more concrete number based on your personal financial situation.

Uprova’s loans come with fixed rates, fixed terms and fixed, biweekly payment schedules. There are no prepayment penalties.

Uprova FAQ

Is Uprova a payday loan?
No. Uprova offers fixed-term installment loans. Unlike payday loans, which have aggressively short terms and are designed to be paid back in a single installment, installment loans tend to have multiple installments, fixed terms and lower APRs.
Does Uprova check your credit?
Uprova might check your credit score. However, it offers loans for borrowers with a variety of credit scores.
Where is Uprova located?
Uprova is located in Upper Lake, California. Uprova is owned by the Habematolel Pomo of Upper Lake.
How do I contact Uprova?
You can contact Uprova by phone, email or mail. Check its website for specific contact info. The company is available Monday through Friday, excluding certain federal holidays.

Is Uprova legit?

Uprova offers financial solutions for borrowers who want an alternative to payday loans. The company’s loans have some appealing features, but it’s ultimately up to you to weigh the benefits of a loan against its costs, including interest and potential fees. Check with Uprova to see what rates are available to you, and make sure you can afford to repay your loan before borrowing.

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How do I know I can trust these reviews about Uprova?
How do I know I can trust these reviews about Uprova?
  • 3,848,927 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: April 12, 2022

I wish I was unable to give no stars. This company is robbing human beings. If you can go another route if you are in need please do so. The interest they charge are through the roof. Never again. All your payments go to interest and not your loan.

5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 2, 2022

I had a short term loan with Uprova. It was very easy to get approved, but I advise against it 100%. After my loan was paid off 1200, I still owed 1400 in interest? The interest never was added into the payments for some reason. If I hadn't looked at my account after my last payment was made I would not have seen that they were going to deduct that 1400 directly out of my account. I called and they fixed it. I have never experienced a company that could just change payments like that. Now I still owe 1400, which again, makes no sense. Do not get a loan through here!

10 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 3, 2022

    Do not get a loan from his company EVER. Read the fine print. Their annual interest rate is 407%. Take out a $2000 loan and you will own $8000 by the end of the year. They prey on people who don't read the details. It's all online and at the click of a button. They get around federal and state regulation because they are on tribal land and do not have to follow the laws on usury interest rates. Do not borrow from this company unless you want to be further in debt.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 4, 2022

    This company always has their website down so you can't make payments on your loan, therefore, you end up paying about 40X the original amount. The wait times to call are insane. I've currently been waiting over an hour. Three payments in a row and I haven't been able to just pay off this loan. I'm going to report this company as fraud to my bank and to the BBB. DO NOT USE this company.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 4, 2022

    I was looking to get a little extra money for the holidays and Uprova came through. Unfortunately their rates are set high. 600 and I'm paying back 1800? I did not get to see any paperwork beforehand or I would have NEVER accepted the loan. I don't have much money to begin with that why I needed to borrow and now you expect me to pay back 3x the amount. Barely any of my payment is going towards what I borrowed. Such a huge rip off. I'm in more debt now than when I started. Then the website never works. It's always getting Maintenance or they are resetting your password ever few days. I still can't log in and I tried this morning. Never using this company again and I hate I'm in this situation now.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 3, 2022

    On 12/22/21 I was approved. (Loan **, since y'all had issues finding other reviewers loans). After a mix up with accounts and banking, I never received funds... My bank confirmed twice, via 3 way call, that they returned the funds back to Uprova on 12/23/21 AM. It is now 1/3/2022 and no one knows where the money is. I am now negative in my account. No money for gas or to feed my kid (no govt assistance and no child support), can't pay rent... I was told 12/31/21 that they'd know an answer to the trace Monday/Tuesday... Yet no one informed me that they are closed today!!! I'm furious. And 1st payment is to be auto drafted on the 7th!!! I've now filed complaints with BBB and will continue to do so where I can.

    3 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Dec. 15, 2021

    I currently have a small loan through Uprova. I intended to use this type of loan responsibly, so I only took a minimal amount, just what I needed to cover an unexpected expense. I also took out only the size loan I knew I could pay off early to avoid such a high-interest rate. So now, 3-4 weeks into the loan, I'm ready to check my balance, make some early payments, and line myself to pay it off in a week or two... Here's the problem... They advertise that you can check your account 24/7 on their website. They advertise that still to this day... But do your homework and you'll see that their sign-in page has been down for a "scheduled upgrade" for almost a week...perhaps even longer before I started to try accessing my account.

    I wouldn't call it a scheduled upgrade when it takes a WEEK to do it. Most companies upgrade their sites all the time and do it overnight, in a matter of a few hours at most. But a week? I'd fire your web developer! How much extra interest has been charged every day that I can't login to make a payment? Oh sure, you tell me to call, but first, I shouldn't have to, I do my business online, but I've also explained that I'm in Hawaii. By the time I can call, your Eastern Time customer service line is closed.

    And then there's the canned response, which I'm sure you're going to see below as their reply to my review saying "We're sorry you didn't receive the 5-star service we're known for"... Really? Thanks for the copy and paste response. How about instead of spending time giving canned replies to your dissatisfied customers, you take a little of that time and effort and focus it on fixing the problem. Did I predict the future here? I'm sure this canned response appears below.

    I've warned uprova that every single day that continues that I can not log in, I will leave another negative review on another site online. This is day 3, and my third negative review. I will continue with the negative reviews until this is fixed. Uprova has had way more than enough time to fix their website. Beware of this company, if something as fundamental as customer access to your account, your balance, your payment options, your loan documents, etc...are of any importance to you, then do NOT use uprova, because your experience is apparently not going to be very important to them.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 16, 2021

    I advise anyone with any sense to run away, as I was NOT told a APR, and when calling to say this was paid in full, I was told that the balance was what I actually borrowed!!?? Really?? Who does this borrowing? Only $500 shouldn't cost 1800$, that's no deal. It's a RIPOFF!, Who does this? It's one thing to borrow, but no one pays triple plus back, that's insane! They don't tell you. They just keep taking $ from you! Life is hard enough without companies stealing from people. Where are consumers' legal rights??

    9 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 5, 2021

    How this company has any 5 star reviews is beyond me. The rates they charge are criminal. I wonder if anyone has looked into this because there is a limit by law on how much a company can charge on interest. I wish I could upload a photo for all to see the actual interest rate that is being charged. For an 18 month loan of $1,500 you end up paying back $4,200. The interest rate stated is 437.31%! Are you kidding me? I don't know how anyone who works for this company can sleep at night. I know I will personally be looking into if this is even legal because reviewing California and Nevada interest rate laws, these rates are nowhere near the legal limit.

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 27, 2021

    After my payments are done, I will never use this company again. The interest rate is sky high and a rip-off. I will look elsewhere IF I need another loan. They charge almost triple of what the loan is.

    12 people found this review helpful
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    Uprova Company Information

    Company Name:
    Uprova
    Company Type:
    Private
    Address:
    635 East Hwy 20, V
    City:
    Upper Lake
    State/Province:
    CA
    Postal Code:
    95485
    Country:
    United States
    Website:
    www.uprova.com