Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.0
(20 Ratings)

Universal Credit Reviews september 2024

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Universal Credit reviews 2024

4.6
Pros
The entire process, from start to finish, was straightforward. Communication was clear and easy to understand. The application and approval time matched their advertised expectations. I am extremely content and pleased with my overall experience with Universal Credit.
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4.2
Pros
The process was swift and accurate, making transactions easy. The great rate is a bonus, and the customer service has already proven to be very helpful, even though we've just started.
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1.8
Cons
Universal Credit denied my application due to my recent move from one state to another and the change of my phone number. They cited that my new number wasn't reflected in my credit report as the reason for the denial.
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4.2
Pros
The application process was incredibly straightforward, and their response time was impressively fast. All in all, they are genuinely helpful company when you're in need of assistance.
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4.4
Pros
The application process was swift and straightforward. I received the funds I needed promptly, which was a real lifesaver. However, I wish I had received the full amount I requested. It would have been more convenient if the loan fee could have been added at the end of the term. Nevertheless, I'm overall quite satisfied with the experience.
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4.6
Pros
Regarding Universal Credit, I'm thankful for discovering them and grateful for loan approval. Their customer service agent facilitated the process, making it smooth. In general, I'm extremely pleased with the experience, but there are several advantages and a few disadvantages to mention.
The advantages include the simplicity of the process, rapid fund disbursement, the option for direct payments with a rate discount for autopay, the loan amounts offered, and exceptional customer service. However, the disadvantages involve origination fees and the absence of certain loans that I wanted to pay off directly. While I'm very appreciative of the support, I wish origination fees were lower or could be included in the loan, allowing for additional debt payoff. Despite these cons, I highly recommend them to anyone seeking financial assistance to reduce their debts.
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4.4
Pros
Filling out the straightforward application was a breeze. Thanks to Universal, I can now get completely caught up on my credit card bills.
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1.4
Cons
The funds will not be available on the same day, but rather within the next 5 days, primarily towards the end of that period. This information is not clearly advertised on the web application.
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4.8
Pros
The fastest and simplest loan process. Verification was straightforward, and I received an answer within minutes. The disbursement of funds happened even quicker than anticipated.
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4.8
Pros
I had a wonderful experience! The application process was fast and straightforward. When I received a call to confirm all the loan details, the representative I spoke to was not only professional and helpful but also incredibly friendly and pleasant. I highly recommend them to anyone and would certainly use their services again.
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Welcome to the review page of Universal Credit!

Here, you will find client reviews about their experience with Universal Credit. We understand that deciding on a lending company can be a challenging and crucial step. That's why we have gathered opinions from those who've already made that choice.

You can learn about the benefits and potential challenges that may arise when applying for a loan with Universal Credit. Additionally, these reviews will help you evaluate the favorable terms and offers the company can provide for you.

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