Lender network / Lender profile
Universal Credit Personal Loans: Rates, Terms and Fees (2026)
Short answer: Universal Credit, a brand of Upgrade, serves borrowers with fair credit who may not qualify elsewhere. Rates start higher than most and the origination fee runs 5.25% to 9.99%.
| At a glance | Universal Credit |
|---|---|
| APR range | 11.69% to 35.99% |
| Loan amounts | $1,000 to $50,000 |
| Terms | 36 to 60 months |
| Origination fee | 5.25% to 9.99% |
| Funding time | Typically the next business day |
| Minimum credit score | Not published |
| Late fee | Up to $10 |
| Availability | Not available in every state. Check with the lender |
| Credit check to pre-qualify | Soft pull through CLO |
Good to know
- A brand of Upgrade, Inc.
- Rate discount when you pay creditors directly
- 0.50% autopay discount
- Individual applicants only, no co-signers
How Universal Credit reaches CLO
Offers from Universal Credit come through CLO's partner network, powered by Flexxbuy. CLO is not a lender and doesn't make credit decisions. Lenders can't pay to change what this profile says.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
Compare with other lenders
Universal Credit personal loan questions
What credit score do I need for Universal Credit?
Universal Credit doesn't publish a minimum credit score. Pre-qualifying through CLO shows whether Universal Credit will make you an offer, without affecting your credit.
How much can I borrow from Universal Credit?
Universal Credit loan amounts: $1,000 to $50,000. The amount you're offered depends on your income, credit, existing debt and state.
What APR does Universal Credit charge?
Universal Credit's published APR range is 11.69% to 35.99%. Your rate depends on your credit profile, loan amount and term.
How fast does Universal Credit fund loans?
Typically the next business day. Timing starts once your application and documents are complete.
Does checking my rate with Universal Credit affect my credit?
No. Pre-qualifying through CLO uses a soft credit pull. A hard inquiry happens only if you accept an offer and complete Universal Credit's application.
Sources: >NerdWallet review · >MoneyLion review. Found an error? Report it.