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Business Profile

Credit and Debt Counseling

Uprova Credit, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit and Debt Counseling.

Reviews

Customer Review Ratings

1.2

Average of 65 Customer Reviews

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Review Details

  • Amie P

    Date: 07/24/2025

    The only reason I give Uprova ONE star is due to the ease of obtaining a loan and the fast funding. The rest of the experience though? Wow. The customer service is practically non-existent and what little customer service there is could only be called sub-par. I've requested a hardship or loan modification due to unexpected expenses occurring over the last few months and they say that due to the way my loan is set up, they can't do anything about it. I've tried to tell them that if they attempt to pull my payment, it WILL bounce and I will incur fees making it even more difficult to catch up. I have asked to put a stop payment on it. I was told no. So this place can charge thousands of dollars in interest on a $2400 loan, but can't defer or even modify a single payment? While I applaud the ease and speed of obtaining a loan with this business, I don't feel so great about their ability to charge ******% interest and have 0 flexibility. Never again with this one. :(

  • Jeryl O

    Date: 07/10/2025

    After being out of work for two weeks, I was desperate to pay rent and turned to Uprova for help. What I didnt realize at the time was that theyre a predatory lender engaging in usurydespite their claims to the contrary.I applied for a $700 loan, thinking Id be able to review the terms before agreeing. Instead, I was given no clear Truth in Lending disclosure or APR details upfront. I assumed I was just submitting an application, not locking into anything. But almost immediately, I received an approval emailand within 20 minutes, the funds were in my account.Thats when the nightmare started.Only after logging in did I learn the APR was nearly 700%not the 30% range they claimed. ********** APRs at 18%, yet this company pushed through a loan with terms that blatantly violate that. The site presented a simple breakdown of biweekly payments but completely hid the fact that almost none of those payments would touch the principalnearly everything goes to interest.When I tried to go back and review my application using the loan ID they gave me, the site said it was invalid. I also discovered Uprova isnt even licensed to operate in my state.They misled mebadly. Their website falsely boasts thousands of 5-star Trustpilot reviews, but when I checked, most reviewers had only ever posted one review. Its deceptive and intentionally ************* Im trapped in a financial spiral. I work full-time and still cant make ends meetand this loan could ruin me. Im pleading for help and accountability. No one should be taken advantage of like this.

  • Tiffany S

    Date: 07/07/2025

    Didnt deposit the loans. Charge crazy interest like a loan shark. Wouldnt let me cancel the loan I never received even after confirmation from my bank. Now Im disputing payments theyre taking from my account and paying for stop payments. **************** is a joke. Total scam they are thieves

  • Solomon G

    Date: 07/05/2025

    I read reviews of products or services before deciding whether or not to proceed. I can suggest to the Uprova lenders that they revise their website so that the payment schedule and interest rates are clearly spelled out BEFORE a borrower signs.

  • Fortunato K

    Date: 06/08/2025

    The absolute worst when it comes to accountability, honesty, and *************** NOT use.

  • Auslyn P

    Date: 05/31/2025

    I am writing to express serious concern over the terms of my current loan with Uprova. After reviewing my loan agreement, I have discovered that the Annual Percentage Rate (APR) is an outrageous ******%, far exceeding reasonable and ethical lending practices. This is especially disturbing considering Uprovas own website does not list interest rates this high. They show normal loan rates like 39 percent.I initially borrowed $1,000, yet under the current terms, I am expected to pay $3,894.23 over 17 semi-monthly payments. This structure is clearly predatory, targeting financially vulnerable individuals with terms that would be illegal under many state laws, including Nevada law. The fact that Uprova claims tribal lender status does not exempt it from federal consumer protection laws or scrutiny under applicable state laws when doing business with residents of *******I am also aware that Uprova has received numerous complaints filed with the Better Business Bureau (BBB) and is reportedly the subject of pending class action lawsuits that allege violations of consumer lending laws and deceptive practices. The terms of my loan appear to fall into the same pattern of abuse that these lawsuits describe.I am formally requesting the following actions be taken immediately:A modification of my loan to reflect a fair and legal interest rate in line with both Uprovas advertised terms and applicable law.An updated amortization schedule with a reasonable repayment structure that reduces the current finance charge

  • Jeff J

    Date: 05/28/2025

    Borrowed a very small amount of money, misunderstood it was bi-weekly repayments. Missed the first 2 week period. Began regular payments since. Besides the fact that they are a predatory loan company, they harass you. I've sent several formal requests to stop emailing me and they do not stop. I make regular payments as agreed on. I requested they move the missed payment to the end of the loan which is absolutely reasonable and they keep going. They respond to "please stop harassing me" with "call us, we can't talk via email" but they are the ones who keep emailing! Makes no sense. Never use this company.

  • Angela N

    Date: 05/28/2025

    This company is taking advantage of people that just need a little help. I barrowed $2000 and I will be paying $3800 in interest.

  • Juan A

    Date: 05/27/2025

    The high rates are not worth it, it fails to mention as you pay the loan it will increase the whole amount without letting you know. I would pay a amount and see I have this much left but then I check after paying the amount is higher to pay the whole loan. It feels I am getting scammed.

  • Renee H

    Date: 04/21/2025

    This company is a rip-off. I borrowed $1200 and ended up repaying $4691.67. No one should have to go through what I went through just to borrow some money. This company should not be allowed to operate at such high interest rates.

Uprova Credit, LLC is NOT a BBB Accredited Business.

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