Group of people celebrating financial freedom advancing the lives of consumers

Payday vs Tribal Loans

Fair Rates. Simple Terms. Better Value.

Uprova Bar
happy couple packing up their house to move

Uprova is Not a Payday Loan Lender

We're Something Better!

Payday loans are aggressive, short-term forms of credit that require borrowers to repay the entire loan amount plus very high-interest fees on their very next payday.

If a borrower is unable to pay off the entire loan plus applicable fees and interest by their next payday, new finance charges are added to the loan and the principal borrowed amount is rolled over again to the next payday.

As a result, payday loans can become extremely expensive extremely quickly, especially when borrowers are unable to repay them on time, as they continue rolling over from payday to payday, exponentially increasing.

This cycle usually results in substantial finance fees and the borrower falling further into debt.

Even worse, payday loan finance fees can’t be avoided because borrowers do not pay off the principal or borrowed amount until the very end of a loan, which is called a balloon payment. Therefore, payday loan agreements often include a full finance charge in the final balloon payment, without an option of reducing interest by paying off the loan early.

Uprova's Three Easy Steps to a Payday Loan Alternative

one
Apply in Minutes
Our streamlined online loan process is fast and secure. Checking your rate will not affect your FICO® credit score!
two
Quick Decision
Our proprietary scoring system uses the information you provide in making an approval decision quickly.
three
Receive Funds
Your funds can be directly deposited into your bank account as soon as the next business day.

Ready to get started?

Checking your rate won’t affect your FICO® Credit Score!

 Check My Rate

How are Loans with Uprova Different?

Tribal Installment Loans offers:

  • Pay down the principal with each payment
  • A fixed number of payments
  • No hidden fees
  • Easy to understand loan terms
  • No prepayment penalties
  • Multiple repayment options
Family in their living room, happy.

An Alternative to Payday Loans That Makes Sense!

At Uprova.com we believe it’s time to bring the “Subprime” and “Deep Subprime” borrowers out of the shadows. Uprova cares about finding a credit solution for these hundreds of millions of Americans with “Subprime” or “Deep Subprime” credit scores.

We’re talking about a service that, aside from predatory players, is nonexistent for 21.2% of Americans. Talk about an underserved market! The question is, how do you make it work for both the lender and the borrower?

Our vision is to assist “Subprime” and “Deep Subprime” borrowers with climbing out of debt, by providing lending options that don’t feast on their misfortune. Instead, we want our options to propel these borrowers forward, out of financial hardship.

Our alternative to traditional payday loans is Uprova’s interest-based installment loan. These installment loans have similar eligibility requirements as payday loans, but provide borrowers with reasonable rates, flexible terms, and more lenient repayment structures. Additionally, these installment loans provide benefits to borrowers such as reported credit activity to the relevant credit bureaus, which helps build positive credit history when payments are made on time.

Uprova.com’s installment loans help borrowers overcome their short-term financial obstacles, as well as assist them in building up alternative credit scores, to avoid being in a similar situation in the future. Improving an alternative credit score can potentially earn a borrower credibility with lenders who use those scores to underwrite their loans, providing a better opportunity to receive more substantial loans in the future. Those who qualify for these options should consider installment loans as a much better alternative to payday loans.

Learn More About Uprova's Alternative to Payday Loans:

Uprova's online loan application form
EASY ONLINE FORM
It’s easy to get the funds you need. Just fill out our online form. It’s quick, secure, and straightforward. You can pay off life’s emergencies with ease!
dollar sign
GET THE FUNDS YOU NEED
No matter what your credit history may be, you can still apply with us. You can typically receive funds within 30 minutes, 24/7/365!
money being direct deposited into your bank account
DIRECT DEPOSIT
No checks to deposit, no trips to the bank. Get the money you need sent right to your bank quickly!

Apply now and you can typically receive your funds within 30 minutes, 24/7/365!