Universal Credit

Lender Summary

Our mission is to provide you with access to credit when you need it most. Whether it is to consolidate debt, fix a leaky roof, pay for auto repairs, or to cover any number of life’s unexpected expenses, Universal Credit is here with easy online access to the money you need, quickly. Our personal loans come with fixed rates and predictable payments that you can budget around. 

Universal Credit is powered by Upgrade, Inc. a neobank that has helped more than 350,000 customers pursue their financial goals since 2017 with billions of dollars of affordable credit.

What they're saying

Ratings & Reviews
22 Reviews
  • Interest Rates
    Good
  • Fees & Closing Costs
    Good
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

  • 5 Star
    (18)
  • 4 Star
    (2)
  • 3 Star
    (0)
  • 2 Star
    (0)
  • 1 Star
    (2)

Great experience

Would recommend to others, very easy to apply and send forms over and customer service is excellent very professional

  • Closed with Lender:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Quick, easy process

The application process was fast and I could see everything from my dashboard. Funding was quick, too. Great experience!

  • Closed with Lender:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

I had a great experience

The process was fast and easy. Had no trouble. I’m very happy with my experience. I recommend it for anyone who needs it.

  • Closed with Lender:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review
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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Universal Credit

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