United Credit Personal Loans
United Credit Personal Loans
in Personal Loans from United Credit

United Credit Personal Loans

in Personal Loans from United Credit
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APR  (Variable APR) 2.99% - 35.99%
(Verified 08/04/2023)
Loan Amount $500 - $40,000
Loan Term (Months) 12 - 60 months

United Credit Personal Loans Review

United Credit Personal Loans is offered by United Credit, a nonbank financial services provider founded in 2011 and based in Irvine, CA. United Credit Loans are available in 50 states (and Washington, DC).

Key Takeaways

  • Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 5% and 36%. The starting rates for United Credit Personal Loans are on the lower end of the spectrum.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your United Credit Personal Loans early.

United Credit Loans Pros & Cons

Pros Cons
  • Low APRs available to qualified borrowers.
  • APRs as high as 35.99%.
  • Charges an origination fee.
  • Does not offer pre-approval with soft credit pull.
  • United Credit Personal Loans does not report to credit bureaus.
  • Charges prepayment fees.
  • Charges a late fee

United Credit Loans FAQ

What interest rates and personal loan terms does United Credit Loans offer?

United Credit Loans has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does United Credit Loans offer?

United Credit Loans offers a variable APR personal loan product that ranges from 2.99% APR up to 35.99% APR.

How much can you borrow via United Credit Loans?

Personal loan amounts start at $500and go up to $40,000

What is the maximum loan term you can get with United Credit Loans?

United Credit Loans offers loans with terms of up to 60 months.

United Credit Loans Interest Rates & Loan Terms
Personal Loan Amount $500 - $40000
Loan Term 12 - 60 months
APR 2.99% - 35.99%

What fees does United Credit Loans charge?

Does United Credit Loans charge an origination fee?

United Credit Loans may charge a personal loan origination fee.

Does United Credit Loans charge a late fee?

No, United Credit Loans will not charge you a late fee if you miss one of the monthly payments.

Does United Credit Loans charge prepayment fees?

No, United Credit Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

United Credit Loans Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

What do you need to qualify for United Credit Personal Loans?

United Credit Personal Loans does not require or does not disclose a credit score minimum.

United Credit Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. United Credit Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via United Credit Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by United Credit Personal Loans.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Proof of identity
  • Proof of citizenship or residence permit
United Credit Loans Eligibility Criteria
Minimum Age N/A
Bank Account Required? No
Application Types Accepted
  • Individual Applications
Credit Score N/A

Are United Credit Personal Loans legit?

United Credit was founded in 2011, it is a well-established company that has been in business for 12 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday Closed
  • Monday 6:00am - 6:00pm
  • Tuesday 6:00am - 6:00pm
  • Wednesday 6:00am - 6:00pm
  • Thursday 6:00am - 6:00pm
  • Friday 6:00am - 6:00pm
  • Saturday Closed

About United Credit Personal Loans


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Identity
  • Social Security Number
  • Employer Identification Number
APR Type Variable APR
Loan Amount $500 - $40,000
APR (Variable APR) 2.99% - 35.99%
(Verified 08/04/2023)
Loan Term 12 - 60 months

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