Uprova Reviews

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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.

Pros & Cons

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

Featured Reviews

Omaha, NE

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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Hialeah, FL

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.

Uprova Reviews

Stars Rating

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    How do I know I can trust these reviews about Uprova?
    • 4,481,129 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    PricePunctuality & SpeedProcess

    Reviewed May 12, 2024

    Please be warned if you make the lowest payment every two weeks you will end up paying double or even triple what you borrowed by the time you get it paid off. If you do not have the means to pay your loan off within 2-3 weeks, this probably isn’t for you. With that being said, I still think there is a time and place where Uprova can help you in a tough spot. I was behind on some bills and took out a loan of $1000. Ended up paying that loan off pretty quickly in about 3 weeks and only accrued about $100 in interest. The whole process was straightforward and I received my loan quickly. I would consider doing it again if I ever needed it.


    Reviewed April 15, 2024

    I’ve literally been ROBBED! For months now. Smh. I borrowed a 1,000.00 loan because I desperately needed it not knowing the interest was 689.71. I have paid exactly 3,446.19 and still owe 660.00. I can literally cry right now. This is ROBBERY! DO NOT GET LOAN FROM THIS PLACE. IT IS LIKE PAWNING A TITLE TO YOUR CAR. I REPEAT. DO NOT RUIN YOUR LIFE EVEN MORE.

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      Reviewed April 10, 2024

      Giant ripoff. If you even LOOK at their loans. Money in your account without knowledge of interest rates or payments. Found out the hard way. They laugh in your face if you say illegal and say "sovereign nation" exempt.

      PricePunctuality & Speed

      Reviewed March 19, 2024

      This company provides quick service because it wants to lock you in quickly to their scam. Check on BBB how many people they have ripped off so far. I wish I would have done so prior to getting a loan. The representative had told me that if I paid off the loan early, there is no penalty and the amount would be lesser than it would be if I stuck with the 18 payments plan. 2 payments are taken out of my account every 2 weeks. It's been 3 months and I just wanted to get this account out of my life. I have paid $1300 so far for a loan that was $1000. So I called to get an early pay off amount and I am still stuck paying $880. So basically, my loan interest is over 100%. You save no money paying off the account early. You still owe the entire amount that you would owe if you stick with bi weekly payments. The representative did offer me a $9 discount if I paid the entire amount off today. SMH!!!

      Customer Service

      Reviewed March 6, 2024

      This "company" obtains your information from third parties, then tries to run loans in your name. I have never applied to this scam, but somehow started getting spam calls from them and then they attempted to run a loan in my name but they got the first name and bank account info wrong. Please stay away from these frauds.


      Reviewed Dec. 23, 2023

      They are so nice when they want you to take the loan out. Read the contract before signing up. I did. I asked questions. They said they charge interests everyday. Even if it take you 5 months to pay the loan off you will still owe. They know people are not going to read, because we all need fast money. The cost of living is too high for a company to rip people off like them. If you want a good loan here affordable try Oportun.

      Profile pic of the author.

      Reviewed Dec. 20, 2023

      I made the huge mistake of taking a loan from this company. Now I'll admit I'm not the best at reading every word but I did review the loan documents and there is no way I would have agreed to their terms. I just paid my loan off 4 months later because I had to stop the bleeding. 400 loan I've made 10 payments off 87.00 and I still owed the original loan amount. Never would trust this company again. I can't prove it but my gut tells me the electronic documents they had on file are not what I signed.

      Customer ServiceStaff

      Reviewed Dec. 19, 2023

      I cannot emphasize enough how utterly disgusted and appalled I am by my experience with Uprova. In my recent dealings with this company, they have demonstrated nothing but unethical, extortionate behavior that is nothing short of a customer's worst nightmare. To begin with, I had a legitimate issue with a bill from Uprova. I reached out to their customer service department in the hope of resolving the matter amicably and fairly. Instead, what followed was an ordeal that can only be described as extortion masked as "customer service."

      Uprova's representatives not only failed to provide any reasonable assistance, but they also blatantly ignored the facts of my situation and instead insisted on inflating the amount I supposedly owed. It was as if they had a playbook dedicated to squeezing as much money out of customers as possible, regardless of the validity of the charges. Uprova's actions are not only morally reprehensible but also potentially illegal. Extorting customers and manipulating them into paying more than they legitimately owe is not only unethical but also a breach of trust that should be met with severe consequences.

      I implore anyone considering doing business with Uprova to think twice and explore alternative options. This company's actions should not be tolerated, and I hope that my review serves as a warning to others who might fall victim to their extortionate practices. Uprova's conduct is a stain on the business world, and they should be held accountable for their disgraceful actions.

      Profile pic of the author.
      Customer Service

      Reviewed Dec. 17, 2023

      I checked a box to see what my rate would be and they funded my account without my approval. Almost 3000 pay back on 500. I tried contacting by phone and e-mail 6 times. No one answered me. Never use this shylock company. I am a senior on social security. I can never afford to pay this. This a usury.

      PricePunctuality & Speed

      Reviewed Nov. 2, 2023

      My experience with this company so far hasn’t been too bad. I read many of the reviews so I was kinda scared to accept. I really needed the help so I went ahead and accepted a smaller amount than what I was approved for and my money was sent within few minutes, very fast and hassle free. I understand this is a business and they do charge more than what other companies charge but honestly I just appreciate the help at a time that I really needed it! I recommend if you need the help then only take what you need. That way you will not owe as much. Thank you UPROVA for your help.

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      Uprova Company Information

      Company Name:
      Company Type:
      635 East Hwy 20, V
      Upper Lake
      Postal Code:
      United States