Is Universal Credit Legit?
Yes, global credit is a legal lend. It is supported by promotion and banks: Cross River Bank and Blue Ridge Bank. Privacy policy and other documents are hosted on its website and contains details about the type of information collected and how to use it.
Universal Credit is also adopted by the Better Business office with a category A+ and receives many positive reviews from former customers.
What makes global credit shine?
Although he receives fees on her personal loans, the Universal Credit gets high signs of former customers. Praise the company for the process of easy application and rapid financing. Some customers state that they were able to obtain a loan after they were rejected elsewhere.
Unlike competitors like Marcus, universal Credit accepts borrowers with credit degrees of up to 580. You can also check if you are qualified to get a loan without relieving your credit degree. If you have questions or need help in your application, it is available in the United States on the phone.
Where it limits global credit
Like other lenders who meet low -credit borrowers, comprehensive credit fees are charged for construction fees. It summarizes these fees from your loan at the time of financing – but you still pay interest on the total amount, not the reduced amount you already receive. If the construction fees are a break of deals, this deserves to apply with the personal loan lender who do not receive fees on the fees.
Also, APR begins to get the best credit borrowers from more than 11 % in April, which is higher than some other lenders. For example, Lightstream provides personal loans with APRS starting from 6.94 % with no fees for growth, but you will need good and excellent credit to qualify.
How to compare comprehensive credit to other lenders
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What is the degree of the researcher?
Finder Score Reduces 6+ types of personal loans across 50+ lenders. It takes into account the interest rate, fees and features of the product, as well as the type of loan, for example, the investor, the variable, the fixed rate – this gives you a simple degree of 10.
Read the collapse of the complete researcher’s degree
World credit loan details
| Loan | 1000 dollars to 50,000 dollars |
| April | 11.69 % to 35.99 % |
| The minimum credit degree | 580 |
| conditions | 3 or 5 years |
| Approval | Once one working day |
| expenses | Features of the emergence of 5.25 % to 9.99 % Late fees up to $ 10 Payment fees of $ 10 No pre -payment penalty |
| Availability | All fifty states and DC |
Global credit contact information
| Phone number | 877-418-9765 |
| Customer service hours | Week days: from 5 am to 7 pm Weekends: from 6 am to 5 pm |
| Support Universal@upgrade.com | |
| Q, previously Twitter | us |
| us |
Calculate your monthly loan payments
Want to know how much your personal loan may cost you? Simply enter the amount you borrow in addition to the interest rate and pay the term payment in our calculator below.
Fill the form and click on “account” to see your
The estimated monthly batch.
or
You can expect to pay it
$
per month
Based on the terms of your loan
| major | $ |
|---|---|
| interest | $ |
| The total cost | $ |
How to qualify for comprehensive credit
Global credit only reveals the basic requirements of its website, which includes:
- Be a permanent American citizen or resident (or live in the United States with a valid visa)
- He is 18 years old or older (the condition is 19 in Alabama)
- You have a good email address
- You have a verified bank account
How to apply
There are four steps to follow up if you want to apply for a global credit loan:
- Go to the global credit site.
- Prefilefy to get the loan by filling the form and providing your favorite loan amount, purpose of the loan, name, address, date of birth, etc.
- Receive loans, review them, then apply officially with a difficult credit check.
- Accept the loan terms if approved and receive the money in less than one working day.
Comprehensive credit reviews and complaints
| BBB certified | Yes |
|---|---|
| BBB classification | A+ |
| BBB customer reviews | 4.79 out of 5 stars, based on 406 customer reviews |
| TrustPilot degree | 4.7 out of 5 stars, based on 3,104 customer reviews. |
| Customer reviews have been checked as of | May 09, 2025 |
Universal Credit gets very positive reviews on sites such as TrustPilot and Better Business (BBB). On TrustPilot, the vast majority of the company’s reviews give a 5 -star rating. It gets 4.85 of 5 rating on BBB, which is unusual for the financial services company, with a few complaints registered over the past three years.
Satisfied customers mention a quick approval and fast financing times, as well as representatives of friendly and useful customer service.
It seems that many negative comments are from the customers who have been confused in this lender and global credit in the United Kingdom, a program in favor of governmental care without any related to the United States’ personal loan provider. Customers who left the legitimate negative reviews state that they are not satisfied with the upper construction fees from expected and fraudsters who give them loans while using a comprehensive credit name.
What do people say on Redit?
The vast majority of conversations revolve around global credit on Reddit on the UK’s social welfare program, not the service matching the loan that is reviewed here.
The only publication on Universal Credit was the person who asks whether anyone else had experience with the company. There was only one comment on the post of Redditor wanted to update because they were also thinking about global credit. The reference then informed that they did not obtain a loan from the company because its request was not approved.
Related questions
What is the degree of credit you need to obtain global credit?
It is recommended that you have a credit degree of 580 or higher, but you may find one of the Universal Credit partners ready to serve it with a lower degree. You can find out if you are eligible without harming your balance, so it is worth the shot.
What are the terms of the global credit loan?
If you get a loan from Universal Credit, you have either three or five years to pay it.
How do you get a global credit loan?
To get a loan through the UNIVERSAL credit, go to the company’s website and provide some basic information to verify loan offers. If you find a presentation you want, complete a full request, agree to a difficult credit check and sign your loan agreement as soon as you agree.
Is universal Credit worthy?
Global credit seems to be a service identical to the legitimate loans approved by the best business office in A+. It is supported by the upgrade, and it is the well -known Fintech company that has provided more than $ 37 billion of credit to more than 6.5 million customers throughout the country.
Does Universal Credit get good reviews from former customers?
Yes, global credit gets many positive reviews from former customers. More than 94 % give the company either four or five stars on TrustPilot. It even contains an amazing 4.79 -star rating on Better Business Bureau, as customers usually go to complaints.
