Last Updated: 04/18/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
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.
Get Personalized Rates
It's quick, easy, and won't hurt your credit score.
Highlights
APR (Variable APR)
34.5% - 35.99%(Verified 06/21/2024)
Amount Range
$300 - $5,000
Loan Term (Months)
9 - 36
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 9% and 36%. The starting rates for Uprova Personal Loans are on the higher end of the market.
- Short loan terms. Uprova Personal Loans have loan terms as short as 9 months.
Uprova Personal Loans Pros & Cons
| Pros | Cons |
|
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 $300 and 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.
| 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?
Uprova Personal Loans does not disclose whether it charges late payment fees.
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.
| 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.
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 or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Uprova Personal Loans report your account activity to credit bureaus?
Yes, Uprova Personal Loans reports to the following credit bureaus:
- 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 build your credit.
Does Uprova Credit, LLC perform a hard credit pull?
Yes, Uprova Personal Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are Uprova Personal Loans legit?
Uprova Credit LLC was founded in 2019. It is an established company that has been in business for 7 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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.
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