Personal Loans

Personal Loans From $300 - $5,000

Low APR, Flexible Terms, & Industry Leading Service

Uprova provides loans to borrowers across the credit spectrum. Whether you have excellent or poor credit, we have a financial solution to meet your needs. Getting a personal loan with bad credit can be especially challenging. Uprova is here to help!

Choose Uprova and enjoy the benefits of our customer rehabilitation path. Returning customers who qualify will be eligible for higher dollar loan amounts with lower APRs and longer terms, all with the opportunity to rebuild your credit score.

  • How does it work?

    Uprova’s mission is to help customers with no credit or poor credit get the funding they need while boosting their credit for the future. We reward returning borrowers with lower interest rates, longer loan terms, and higher dollar loans. We can help rebuild your credit by reporting your timely payments to the major credit bureaus.

  • Why personal loans?

    When faced with a large purchase, debt consolidation, or an unexpected financial burden, a personal loan may be an ideal solution to receive the funds you need quickly and easily. Unfortunately, many banks and lenders use your credit score to determine how much you can borrow and what your rates and terms should be.

  • Why choose Uprova for personal loans?

     A Uprova fixed-term personal loan can be used to finance anything you’d like. If you’re struggling with high-interest loan payments and credit card debt, need to make a large purchase, or are experiencing an unexpected emergency, an online personal loan may be your best solution. By reporting your loan repayment to the major credit bureaus, Uprova can help you improve your credit score and your chances of borrowing at a lower cost in the future.

  • What are the benefits of an Uprova personal loan?

    • Competitive fixed-rate, fixed-term, and fixed payment schedule
    • Scheduled automatic payment options
    • No origination fee or prepayment penalty
    • Simple online application and funding process
    • If approved, you can receive funds in up to 30 minutes, 24/7/365
    • Loans from $300- $5,000 with NO COLLATERAL required
    • Terms up to 36 months

Money You Need Now – Credit You Can Use in the Future

A personal loan through Uprova provides the money you need now with terms and conditions that you can trust, helping to achieve your personal and financial goals.

Credit or Debt Consolidation

A personal loan is an excellent way to consolidate your debt or refinance your credit cards. A personal loan can allow you to lower your rates, consolidate debt payment dates, and simplify your debt management efforts by aligning it all into one easy to understand payment.

Unexpected Costs

Unexpected medical bills, car issues, or travel expenses can happen to anyone at any time, and most people are not prepared. If you’re facing an unexpected financial emergency and are unsure where to find the money to handle it, be sure to consider an online personal loan from Uprova.

Home Improvements

If you’re looking to finance home renovation or home improvement projects, Uprova’s personal loans may be the perfect choice for you. With low APRs, no unexpected fees, and flexible terms, our personal loans can help you make those upgrades today – without jeopardizing your financial future.

And More!

These are just a few suggestions for personal loan use. One of the best aspects of Uprova’s personal loans is you that don’t need to have a specific reason or expense to take one out. You can use personal loans for any purpose you like. If you need cash fast, Uprova is here to help!

Potential Reasons for a Personal Loan

Credit or Debt Consolidation

Consolidate several loans or credit cards into one manageable payment plan that can save you money. With an Uprova personal loan, you can easily consolidate any type of debt, including credit card balances, medical bills, car loans, or any other debt you have. Struggling with a pile of multiple debts and loan payments is stressful. Instead of worrying about making multiple small payments across several different accounts, all with different due dates, different interest rates, and different mailing addresses, and hoping that you don’t make a mistake, a personal debt consolidation loan could be your perfect solution. With a personal loan, consolidating several high-interest loans into one fixed payment can reduce your financial burden and give you peace of mind.

Unexpected Costs

Let’s face it, life throws us curveballs, and major unexpected costs are a fact of life. No one likes to deal with emergency expenses, but a recent national study shows most Americans do not have rainy-day funds to cover those inevitable tough times. In fact, just 40 percent of Americans could afford to pay an unexpected $1,000 expense, such as an emergency room visit or car repair, with cash from their savings. In many cases, these unexpected expenses can quickly escalate or compound into an additional expense. So, when you’re facing an unexpected financial emergency and are not sure where that money will come from, remember to check out our low APR, flexible term personal loans at Uprova!

Home Improvements

We all strive to make our home a nicer place to live and get a return on our property investment, but home repair costs can be pricey and potentially financially overwhelming. With a home improvement personal loan from Uprova, renovations, repairs, or improvements don’t have to break the bank! Whether you’re installing a pool, replacing an air conditioner, updating your roof, or embarking on a wide array of other costly home improvement projects, the price tag can come with shock and drear! But with Uprova you can easily finance these expenses with a low ARP, flexible term personal loan – ensuring you get the upgrade you want and need – without risking your financial health.

And More!

One of the biggest benefits of a personal loan from Uprova is that the money can be used for anything. There is no collateral needed upfront, and you don’t have to qualify for a specific reason to receive the loan. Simply apply, and if approved, you could receive funds in as little as 24 hours! Your personal loan will come with up-front and easily understandable terms and conditions, and low APRs. An Uprova personal loan can get you the funds you need to handle expenses like high-interest loan payments and credit card debt, large purchase costs, or an unexpected financial emergency. Our application is easy and only takes a few minutes to complete, meaning you could receive your approval in minutes and get your funds in up to 30 minutes, 24/7/365! Get the money you need, fast – apply online today!

How to Apply

With Uprova, applying for a low APR, fixed-term personal loan has never been easier. Simply visit our site, provide some basic personal and credit information, and potentially be approved in minutes, without ever leaving home!


Online Application

Provide some personal and financial information to help underwrite the loan.


Approval & Acceptance

Uprova will review your information and potentially provide a loan offer – which you can accept and approve.


Receive Your Money

That’s it! If approved and accepted, you will receive your money, through a direct deposit, into your bank account.

Why Uprova Online Personal Loans?

Uprova is an easy-to-use resource for safe online personal loans that help people meet unexpected emergencies and cash-flow needs quickly and easily. We are a prime source of online lending for low APR, flexible term personal loans. Our application is easy and only takes a few minutes to complete, meaning you could receive your approval in minutes!

Typically, personal loans hold lower interest rates than most credit cards and a wide range of other lending vehicles. At Uprova, no collateral is needed to qualify for our personal loans, and since terms and payments are fixed, many re-payment options will easily fit within your budget. Making it easy to track the date your loan will be fully paid off. In fact- when utilized for debt consolidation our Uprova personal loan can even help build or improve your credit score!

Frequently Asked Questions About Personal Loans

  • How much can I borrow with Uprova’s personal loans?

    With Uprova you can select a loan amount anywhere from $300 – $5,000

  • Will checking my rate for an Uprova personal loan affect my credit score?

    Checking your rate for a Uprova personal loan will not affect your credit score. However, if you proceed with the loan after receiving your estimated rate, your credit score may be affected.

  • Can a personal loan help me improve my credit score?

    For those with no credit, getting a personal loan and repaying it on time can help boost your credit score. If Uprova reports your loan to the major credit bureaus, your timely repayment will reflect on your credit score and show up in your credit history. It shows future lenders that you can be trusted to repay debt. If you have poor credit due to late or missed payments in the past, a new personal loan can help rebuild your credit score as long as you make timely repayment.

  • How long will it take for me to receive money in my account from an Uprova personal loan?

    Typically in up to 30 minutes, 24/7/365! Sometimes it may take up to 48 hours depending on your bank.

  • More personal loan FAQ’s

    Still, have questions? Please visit our FAQ’s page here.

Ready to Get Started?

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

Apply now to receive your funds in up to 30 minutes, 24/7/365!