Universal Credit is an online lending platform that provides access to affordable loans and great customer service. 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.
Universal Credit is powered by Upgrade, Inc. a financial technology company that has helped more than 500,000 customers pursue their financial goals since 2017.
Universal Credit and Upgrade are not banks. We partner with banks and other financial institutions to originate loans obtained through Universal Credit and Upgrade. Learn more.