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    Making Your Unique
    Ideas Possible.
    Start now and become free with Universal Funding!
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    Here for Whatever
    You Need
    Whatever Your need, Universal Funding is here for You.
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    Transforming the Online World
    of Lending
    Making Online Lending Easier and Faster


Universal Funding was founded in 2017 with the goal to improve the borrowing experience for middle-income consumers. The Universal Funding name quickly became synonymous with responsible consumer lending services, a reputation that continues to this day.

Universal Funding has since streamlined the online borrowing process and helped over 800,000 people get the funding they deserve. Universal Funding is backed by some of the most well-regarded investors in the fintech space.


Debt Consolidation

Consolidate your debt into one easy to manage payment.

Emergency Fund

Emergencies happen fast, let Universal Funding happen faster in a time of need.

Personal Loans

Get Money for your need fast with personal loans.

Home Loans

Fast funds at low rates to repair, remodel, and upgrade your happy place.

Auto Loans

Fast funds at low rates to repair, remodel, and upgrade your happy mobile.

Other Loans

Fast funds at low rates to repair, remodel, and upgrade your happy place.


Martha Ramirez
Marketer (KyevStar Mobile)

"Excellent Service! as a Marketer, I needed a loan for a car to work efficiently, this platform was highly recommended by a friend and it has helped me out.”

Nathalia Rodriguez
Designer (Zegna Clothing)

"Superb Service!,Fast and easy.”

Bobby Owen
Web Developer Surge Dev

“Great service! I have been worried about extra cash. But when I came here, it was great.”

Let's transform the world of Online Lending Together.

If you’re driven, talented, and passionate about your business, let’s help you.


Start Your Journey to Better Credit.

Register & Apply

Fill out your personal information and the loan application.

Choose Your Rates

Select the offer and terms that best fits your needs from our available rates.

Get Funded

If your application is approved, we'll deposit your money as early as the next business day.

Checking your eligibility does not affect your credit score.


Frequently Asked Questions

How Do I Qualify for a Personal Loan?

Since there is no collateral, qualifying for a personal loan is ultimately determined by your credit history, income, other debt obligations and monthly cash flow

How Much Can I Borrow and How Long Can I Borrow?

Depending on us and your personal financial situation, personal loans typically range between $5,000 and $15,000, with a maximum of $100,000 and repayment terms between 1 and 24 months. The higher your credit score and income, the more money you can potentially borrow.

Will my credit profile affect my ability to get the best loan rates?

Yes, the better your credit rating the more likely you are to get the lowest interest rates on your loan. For those with a bad credit profile, the higher interest rates reflect the increased risk on our part in lending you money.

What if my financial circumstances change during a loans term?

If your financial circumstances improve, you will be able to pay your loan off early, or arrange to change your payment plan in some way. You will need to discuss details of this with us.

Can I Pay Back My Loan Late Without Penalties?

When selecting your personal loan you will also choose a repayment period, typically in months. Should you choose to pay off your loan late, it’s important to note whether your lender charges a prepayment penalty fee. “At Universal Funding you will never be charged a penalty or additional fees for paying back your personal loan late”.