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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.

Uprova's account

Finanso.Multilogin™

How to register an account

Visit the Uprova website to sign up for an account. It will require you to provide an email address, a password with a minimum of 8 characters, and your Social Security Number (SSN). Once you click Log in, it will direct you to your personal Uprova account, and you will be ready to make your first loan request. An approval decision is made seconds after submitting your application, and funds are usually available within 30 minutes. Your E-Sign is required to complete the documents.

How to reset a password

To reset your Uprova password, go to the official Uprova login page and authenticate your identity by entering the email address that you used for your account. Uprova will send you an email with a link to reset your password to the loan address.

How to delete an account

Contact customer service at (866) 362-3444 to cancel your Uprova account. Please remember that even if your account is closed, you may still receive trailing authorizations or payment refunds.

FAQ

How to create an account on Uprova?

To create an account on Uprova, visit their official website and fill in your contact details, date of birth, name, and email address.

How to delete an account from Uprova?

To cancel your Uprova account, call customer help at (866) 362-3444 or email at customerservice@uprova.com.

Calculate loan payments at Uprova

Uprova calculator will allow you to calculate an approximate payment schedule for the loan

Uprova calculator
Interest rates are given in accordance with the rates of the Uprova in Washington, D.C. as of 24.09.2022
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What to focus on before applying for a loan with Uprova

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Uprova and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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