- Offers direct payment to creditors with debt consolidation loans
- Fast funding
- Offers multiple rate discounts
- Offers free credit score access
- Charges origination fee
- Borrowers can choose from only two repayment term options
Minimum credit score: 560
Minimum number of accounts on credit history: 1 account
Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for
Minimum length of credit history: 2 years
Minimum income requirement: None. Lender accepts income from alimony, retirement, child support, Social Security and other sources
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San Francisco
California
94111
United States
Universal Credit personal loans are best for borrowers with low credit scores who want a loan with features that will help their scores. Universal Credit’s rates are high compared to other bad-credit lenders, so compare loan offers before you apply. Universal Credit is operated by online lender Upgrade. The main difference between the two is that borrowers with bad credit scores (689 or lower) and more debt may more easily qualify for a Universal Credit loan. Upgrade offers a more flexible personal loan that’s particularly good for debt consolidation. Once approved, Universal Credit customers can access features offered by Upgrade, including credit building tools, a mobile app and a discount for directly paying off creditors on debt consolidation loans.
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