Consolidate your debt into one easy to manage payment.
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.
Consolidate your debt into one easy to manage payment.
Emergencies happen fast, let Universal Funding happen faster in a time of need.
Get Money for your need fast with personal loans.
Fast funds at low rates to repair, remodel, and upgrade your happy place.
Fast funds at low rates to repair, remodel, and upgrade your happy mobile.
Fast funds at low rates to repair, remodel, and upgrade your happy place.
Customer analytics inform all of our decisions. Whether we are prioritizing or evaluating what works, we lean on the data to guide us.
We believe that the best process is quick and iterative. We build, test, and learn to find out what works, without sacrificing the bottom line.
We make sure that all voices are heard regardless of experience, department, or job title.
If you’re driven, talented, and passionate about your business, let’s help you.
APPLY NOWFill out your personal information and the loan application.
Select the offer and terms that best fits your needs from our available rates.
If your application is approved, we'll deposit your money as early as the next business day.
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
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.
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.
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.
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”.