Uprova

Uprova

 2.8/5 (32 reviews)

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Overall Rating2.8 out of 5
See all 32 reviews

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

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.

Uprova Reviews

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Page 2 Reviews 10 - 40
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.

12 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??

15 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.

17 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.

13 people found this review helpful
Rated with 2 stars
Verified Reviewer
Original review: June 25, 2021

The loan I got payments are $270.00+ and $15.00 is actually for the loan itself. The rest is interest. I'm really regretting taking those loan. It's never ending. I just want to be able to pay for bills and things. I work 40+ hrs a week and cannot make ends meet Based on the pay back.

16 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 20, 2021

I had been using a different loan company called Majestic Lake, but sadly they are no longer doing loans. Too bad because the company I was switched to, Uprova, is no where near as decent. What is the point of letting you all know the date I get paid when none of the payments are due on those dates?? Majestic didn’t do that. Some of the due dates are a week before I get paid! What is that garbage?? Then I call to get that fixed and you all say the payment will be raised AND extended?? It’s either one or the other, not both. Any of the supposed “good reviews” this place had must’ve been done internally.

5 people found 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!

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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!

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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!

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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!

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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!

2 people found this review helpful
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!

2 people found 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!

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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!

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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!

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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!

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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!

4 people found 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!

2 people found 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!

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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