Last Updated: 09/22/2025
Universal Credit Personal Loans
Claimed
in Personal Loans from Universal Credit
Last Updated: 09/22/2025
SuperMoney User Recommendation Score +82
Cast Your Vote
Get Competing Personal Loan Offers
Compare personal loan offers from multiple vetted lenders.
Discover your lowest eligible rate in minutes.
See how much you qualify for and what your monthly payment will be.
It's quick, easy, and won't hurt your credit score.
Highlights
Community Rating
APR (Fixed APR)
Amount Range
Loan Term (Months)
Number of Reviews
Universal Credit Personal Loans Review
Key Takeaways
- APRs starting at 11.69%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Universal Credit Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Large loan amounts. You can apply for loan amounts of up to $50,000 with Universal Credit Personal Loans .
- Prequalified rate. You can check your prequalified rate at Universal Credit with a soft pull that will not affect your FICO or VantageScore.
- Origination fees of 5.25% to 9.99%. This is on the high end for lenders on SuperMoney's database. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
Universal Credit Pros & Cons
| Pros | Cons |
|
|
Universal Credit FAQ
What interest rates and personal loan terms does Universal Credit offer?
What interest rates does Universal Credit offer?
How much can you borrow via Universal Credit?
What is the maximum loan term you can get with Universal Credit?
| Personal Loan Amount | $1000 - $50000 |
| Loan Term | 36 - 60 months |
| APR | 11.69% - 35.99% |
What fees does Universal Credit charge?
Does Universal Credit charge an origination fee?
Does Universal Credit charge a late fee?
Does Universal Credit charge prepayment fees?
| Origination Fee | 5.25% - 9.99% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Universal Credit Personal Loans?
Applicants with a credit score of at least 560 and up to 850 may be eligible for Universal Credit Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | 560 - 850 |
What is the estimated funding time for a personal loan via Universal Credit?
Does Universal Credit Personal Loans report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Universal Credit perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.Are Universal Credit Personal Loans legit?
Universal Credit Personal Loans Disclosure: Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99% and a 5.25%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Repayment terms from 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states.
SuperMoney Disclosure: SuperMoney.com 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.
Contact
Headquarters