Eligibility Requirements:
- Must be 18 years or older
- U.S. resident with valid ID
- Verifiable income (self-employment accepted)
- Active U.S. bank account
- Minimum credit score: 580
Loan application steps:
- Visit universal-credit.com
- Click “Check Your Rate”
- Complete the short online form
- Review and choose your loan offer
- Sign the agreement digitally and receive your funds
Frequently Asked Questions
How long does it take to get approved for a Universal Credit loan?
Funds can be deposited as soon as 1 business day after completing required verifications.
Is it required to explain why the credit is being used?
You’ll select a loan purpose, but no detailed explanation is needed.
Do I need to have a good credit score to be approved for a Universal Credit loan?
Not necessarily approval is available for credit scores starting at 580.
Can I apply for a loan if I am self-employed?
Yes, as long as you can provide proof of income, self-employed applicants are welcome.