Universal Credit personal loans: APR, fees and requirements
What Universal Credit publishes about its personal loans (11.69% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Online lender |
|---|---|
| APR range | 11.69% to 35.99% |
| Loan amounts | $1,000 to $50,000 |
| Repayment terms | 36 to 60 months |
| Origination fee | 5.25%-9.99% |
| Minimum credit score | Not published |
| Funding time | Funds sent within one (1) business day of clearing necessary verifications; may take up to 2 weeks if sent directly to third-party creditors |
How the lender states its rates: “Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99% and a 5.25%-9.99% origination fee ... Lowest rates require Autopay and paying off a portion of existing debt directly.”
How the starting rate compares
The lowest advertised APR, 11.69%, ranks 29 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
LendingPoint
Online lender
- APR
- 7.99% to 35.99%
- Loan amounts
- $1,000 to $36,500
- Origination fee
- Varies
Mariner Finance
Online lender
- APR
- 15.99% to 35.99%
- Loan amounts
- $1,000 to $25,000
- Origination fee
- Varies
Oportun
Online lender
- APR
- Up to 36.00%
- Loan amounts
- $300 to $10,000
- Origination fee
- Varies
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. universal-credit.com · universal-credit.com/personal-loans · universal-credit.com/faq