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Uprova

Uprova
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Overall Satisfaction Rating 4.63/5
  • 5 stars
    11
  • 4 stars
    4
  • 3 stars
    1
  • 2 stars
    0
  • 1 stars
    0
Based on 16 ratings

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.

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.

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

Top Uprova Reviews We Found

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Rated with 5 stars
Verified Reviewer Verified Buyer

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'll be a lifelong customer as long as they don't change the leadership.

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Rated with 5 stars
Verified Reviewer Verified Buyer

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 and are reasonable. Once I pay the loan off and if I ever need to do it again, I will always come back to Uprova.

Read full review

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.

Uprova Reviews

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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?
  • 3,145,531 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 - 30
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 27, 2021

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'll be a lifelong customer as long as they don't change the leadership.

Uprova response

Hi Mike! We are so glad to hear that you received the 5-Star service Uprova is known for. If you ever have comments, questions or concerns about your service with Uprova, please feel free to reach out to us at VOC@Uprova.com. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 26, 2021

    It's been a pleasurable process. I was able to easily enter my information. A person called me back within a few minutes to verify my information which did make me feel good considering we live in a world where everybody wants to steal your information. It was short, sweet and to the point. He was pleasant enough and let me know what it was that he was doing and gave me a timeframe for me to expect the email. Within 24 hours, I had the money. I had been on leave for work and we're waiting for some funds to be approved. Rather than have to wait and go through everything that you go through when your money is not there on time, Uprova kind of bridged that gap for me.

    Uprova response

    Hi Jazmin! We are so glad to hear that you received the 5-Star service Uprova is known for. If you ever have comments, questions or concerns about your service with Uprova, please feel free to reach out to us at VOC@Uprova.com. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 24, 2021

    The process was extremely easy. The person that was doing it was extremely friendly. So even though it seemed like it took a little longer than I thought, it wasn't that bad. It was okay because she was super friendly. She also explained everything every step of the way.

    Uprova response

    Hi Afton! We are so glad to hear that you received the 5-Star service Uprova is known for. If you ever have comments, questions or concerns about your service with Uprova, please feel free to reach out to us at VOC@Uprova.com. Thank you!

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 12, 2021

    I love Uprova's lending process. It didn't take long at all. The representative I had was very patient, nice and easygoing. She was calming and right on it. I also love the fact that the fees are not crazy and are reasonable. Once I pay the loan off and if I ever need to do it again, I will always come back to Uprova. I like them.

    Uprova response

    Hi Anton! We are so glad to hear that you received the 5-Star service Uprova is known for. If you ever have comments, questions or concerns about your service with Uprova, please feel free to reach out to us at VOC@Uprova.com. Thank you!

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 11, 2021

    The experience was fast and easy. They didn't strike me as a backseat type of deal. I spoke to a lady that was very professional and I had no problem having my account set up. Uprova was helpful when I needed it big time. I'll probably let somebody else know about them if they're having a hard time.

    Uprova response

    Hi Megan! We would like to hear more about this situation involving Uprova and discuss it with you further. Please reach out with your contact information and we will be in touch. Thank you!

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 27, 2021

    The lending process was done in less than five minutes. The rep I worked with was pretty good. Everything was quick and fast. I had a wonderful experience.

    Uprova response

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

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: March 23, 2021

    The application was easy. It took 10 minutes or so. I went on something and it said, "Fill this out." I punched in my Social Security, my name and this and that, then it scanned it. Uprova ended up with it.

    Uprova response

    Hi Charles! We would like to hear more about this situation involving Uprova and discuss it with you further. Please reach out to us with your contact information and we will be in touch. Thank you!

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 12, 2021

    Uprova's lending process was easy. It was all online and it was done in 24 hours. The rep was nice, quick and responsive. I appreciated their help.

    Uprova response

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

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 11, 2021

    The online process of Uprova was easy. I was approved within three hours.

    Uprova response

    Hi Lena! We are so glad to hear that you received the 5-Star service Uprova is known for. If you ever have comments, questions or concerns about your service with Uprova, please feel free to reach out to us at VOC@Uprova.com. Thank you!

    Be the first one to find this review helpful
    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 23, 2021

    Uprova got to me first, so I signed up with them. But regret it now because the interests are high and I wish I’d never done it. Other than that, their lending process was quick and I did it in 10 minutes. Their customer service was also good and hopefully, the loan would raise my credit. If others ever need a loan, then they can call Uprova. My credit was pretty bad and they qualified me.

    Uprova response

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

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 20, 2021

    Uprova did next-day funding. They were always there whenever I needed them. You can go through them if you need any funding.

    Uprova response

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

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 15, 2021

    The whole process I did was online and it was fairly simple.

    Uprova response

    Hi Carla! We would like to hear more about this situation involving Uprova and discuss it with you further. Please reach out with your contact information and we will be in touch. Thank you!

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 14, 2021

    Uprova approved me for a loan and they got me what I needed. My experience was easy, simple, and straight to the point.

    Uprova response

    Hi Ysabel! We would like to hear more about this situation involving Uprova and discuss it with you further. Please reach out with your contact information and we will be in touch. Thank you!

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 13, 2021

    The overall lending process was easy. The reps were easy to work with and the application was approved within a matter of moments.

    Uprova response

    Hi Angela! We are so glad to hear that you received the 5-Star service Uprova is known for. If you ever have comments, questions or concerns about your service with Uprova, please feel free to reach out to us at VOC@Uprova.com. Thank you!

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 9, 2021

    I was desperate to find the solution for what I was going through and I felt safe with Silver Cloud because of the OLA seal they had and it had an excellent rating with Trustpilot. The loan process was quite fast, which I was very happy with.

    Uprova response

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

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 8, 2021

    Uprova helped out in a good way. I already paid my loan with them but when I applied for it, I did it online and the process didn't take very long to finish.

    Uprova response

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

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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