Uprova Personal Loans
Uprova Personal Loans
in Personal Loans from Uprova Credit, LLC

Uprova Personal Loans

in Personal Loans from Uprova Credit, LLC
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APR  (Variable APR) 34.5% - 35.99%
(Verified 09/12/2023)
Loan Amount $300 - $5,000
Loan Term (Months) 9 - 36 months

Uprova Personal Loans Review

Uprova Personal Loans is offered by Uprova Credit LLC, a nonbank financial services provider founded in 2019 and based in Upper Lake, CA. Uprova Personal 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 Uprova Personal Loans are on the higher end of the market.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Uprova Personal Loans early.
  • Short loan terms. Uprova Personal Loans have loan terms as short as 9 months.

Uprova Personal Loans Pros & Cons

Pros Cons
  • APRs as high as 35.99%.
  • Charges an origination fee.
  • Does not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee

Uprova Personal Loans FAQ

What interest rates and personal loan terms does Uprova Personal Loans offer?

Uprova Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Uprova Personal Loans offer?

Uprova Personal Loans offers a variable APR personal loan product that ranges from 34.5% APR up to 35.99% APR.

How much can you borrow via Uprova Personal Loans?

Personal loan amounts start at $300and go up to $5,000

What is the maximum loan term you can get with Uprova Personal Loans?

Uprova Personal Loans offers loans with terms of up to 36 months.

Uprova Personal Loans Interest Rates & Loan Terms
Personal Loan Amount $300 - $5000
Loan Term 9 - 36 months
APR 34.5% - 35.99%

What fees does Uprova Personal Loans charge?

Does Uprova Personal Loans charge an origination fee?

Uprova Personal Loans may charge a personal loan origination fee.

Does Uprova Personal Loans charge a late fee?

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

Does Uprova Personal Loans charge prepayment fees?

No, Uprova Personal 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.

Uprova Personal Loans Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

What do you need to qualify for Uprova Personal Loans?

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

Uprova Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Uprova 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 Uprova 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 Uprova Personal Loans.

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

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

Does Uprova Personal Loans report your account activity to credit bureaus?

Yes, Uprova Personal Loans reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Are Uprova Personal Loans legit?

Uprova Personal Loans was founded in 2019. It is an established company that has been in business for 4 years.

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

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Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 9:00pm
  • Tuesday 8:00am - 9:00pm
  • Wednesday 8:00am - 9:00pm
  • Thursday 8:00am - 9:00pm
  • Friday 8:00am - 7:00pm
  • Saturday Closed

About Uprova 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 Identity
  • Social Security Number
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Credit/Debit Card
  • Bank Transfer
APR Type Variable APR
Loan Amount $300 - $5,000
APR (Variable APR) 34.5% - 35.99%
(Verified 09/12/2023)
Loan Term 9 - 36 months

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