Apply For Universal Credit

Loan Amounts. Available loan amounts range from $1,000 to $50,000.

Repayment Terms. Repayment terms are flexible, ranging from 36 to 60 months.

Annual Percentage Rates (APRs). The APRs for loans vary between 11.69% and 35.99%, depending on the borrower’s credit profile.

Citizenship Or Residency. Must be a U.S. citizen, permanent resident, or living in the U.S. with a valid visa.

Age. Must be at least 18 years old (19 years old in Alabama).

Email Address. Must provide a valid email address.

Bank Account. Must have a verifiable bank account.

Insufficient Income. If your annual income is below the required minimum, your application may be rejected due to an inability to meet the repayment obligations.

Lack Of Required Documentation. Failure to provide necessary documents, such as a copy of your paycheck stub, can result in your application being denied.

No Bank Account Or Credit Card. Not having a bank account or credit card as an alternative payment method can lead to rejection since it is a mandatory requirement.

Employment Verification Issues. Inaccurate or unverifiable employment information, such as discrepancies in your employer's details or job title, can cause your application to be rejected.

Age Restriction. Applicants under the age of 18 are not eligible for the program, and any application from individuals below this age will be automatically rejected.