Universal Credit Avis 

3 451
•
TrustScore 4.5 sur 5

4,7

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Lisez les avis des autres

Noté 5 sur 5 étoiles

I have had great experiences with upgrade and now Universal Credit. With upgrade they have opened the doors for me when I needed to rent a vehicle or buy a flight through their bypl programs. Which h... Voir plus

Noté 5 sur 5 étoiles

My experience was great. Quick and easy application. Very fast approval. Allowed me to cut the interest rate of my credit card debt by more than half. Fixed payment rate. Love the availability to... Voir plus

Noté 5 sur 5 étoiles

This was a seamless and non-troublesome transaction from start to finish. I appreciated this interaction with Upgrade so much that if I'm ever in need of another loan, it would most certainly be with... Voir plus

Noté 5 sur 5 étoiles

Very seamless setup and approval.got my money within 48 hours . Decent percentage rate . No prepayment penalties Only negative is they charge me origination fee to get loan some companies don't ch... Voir plus

À propos de l'entreprise

Écrit par l'entreprise

Our mission is to provide you with access to credit when you need it most. Whether it is to consolidate debt, fix a leaky roof, pay for auto repairs, or to cover any number of life’s unexpected expenses, Universal Credit is here with easy online access to the money you need, quickly. Our personal loans come with fixed rates and predictable payments that you can budget around.


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4,7

Excellent

TrustScore 4.5 sur 5

3 k avis

5 étoiles
4 étoiles
3 étoiles
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1 étoile

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4,7

Tous les avis

(3 451)

269 avis reçus au cours des 12 derniers mois

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Noté 5 sur 5 étoiles

Fast and easy

The whole process was fast and easy for me, which I needed at the time. My truck needed repairs and I didn't have the cash on hand. l am very grateful for their promptful timing in my hour of need.
Thank-you

7 août 2026
Noté 1 sur 5 étoiles

Rogue staff helping benefit fraudsters

Rogue DWP staff, I have written to the Prime Minister of my experiences today and experience of previous incidents of staff behaviour. Rogue staff are the true reason as to why fraud is allowed to happen, disgusted with the DWP Universal Credit staff behaviour, I told them that the Tenants have previously took 8 Months of Rent Element paid to them into their Bank account and instead of forward that money into the landlord bank account, Tenants had spent all the Rent money on themselves. THIS RENT ELEMENT IS FUNDED BY TAX PAYERS, AS A NATION WE ARE FED UP OF INCREASING TAX RISES, ROGUE STAFF WORKING IN DWP UNIVERSAL CREDIT ARE ALLOWING BENEFIT CHEATS TO GET AWAY WITH IT.
I contacted DWP Universal Credit and made them aware of my concerns of the fraudulent behaviour of Tenants keeping all of the Rent Element payments for themselves, the Tenants caseworker listened and then reassured me that I will be paid Rent Element directly into my bank account plus the rent arrears will be paid, and that the Tenants will no longer be paid rent element directly again. Just 2 Months of Rent was paid into my wife Bank account with a £60 of rent arrears.

TO CANCEL ALL OF THE RENT PAYMENTS AND RENT ARREARS OWED INTO MY WIFE BANK ACCOUNT, TENANTS FOUND A LOOP HOLE
Tenants made a fresh new claim for Universal credit including claim for the Rent Element, now to defraud the system AGAIN and to put the Landlord out of pocket again, Tenants are now getting the full rent element again, only to spend all that rent money on themselves, my wife is not getting no rent payments into her Bank account and the owed rent of £60 rent arrears had also been stopped and cancelled, this is evidence of green light to fraudulent Tenants, the DWP Universal Credit rogue staff might as well give the Fraudulent Tenants a blank Cheque to allow them to spend the Taxpayers money on what they like, (So much for false reassurance from DWP Universal Credit caseworker) putting my wife out of her rental income of total missing Rent of £14330.00.
All this money belonging to Taxpayers the Tenants spent it all on themselves going abroad on holidays etc,
Today, I had tried to explain the situation to the DWP Universal Credit Staff politely, instead of taking my concerns seriously, she put the phone down on me and did not ring me back, she has my telephone number, Rogue staff like these are the real reason why the system is broken and such behaviour must not be tolerated, our system is compromised because we have Rogue staff who are not fit for purpose, allowing Benefit cheats to prevail and to continue giving fraudster full advantage and confidence to get away with Taxpayers money, this Rogue staff in DWP Universal Credit after I explained to her all of my concerns, she did nothing, not to even send an email to the Tenants Caseworker of this immediate concern to stop all of the Rent Element payments to be paid to the Tenants, and Rogue staff instead helping me to stop the ongoing fraudulent behaviour, that staff put the phone down on me, such staff behaviour is absolutely disgusting

Frustrated, I phone again DWP Universal Credit for the second time, and I managed to speak with a genuine staff member who listened and took proactive action by emailing the Tenants caseworker as an urgent request to contact me, we need genuine people like this person to work in favour against fraud, unlike that other staff who was in favour of fraud.

DWP Universal Credit must stop employing Staff who are irresponsible, who are good st helping benefit fraudsters as these are the types of rogue staff as to why the Taxpayers moneys is going down into the pockets of fraudsters, because they the rogue irresponsible staff is evident as to why the reason the system is weak and broken because such rogue staff who are allowing for fraudulent behaviour to prevail so that the misuse of Taxpayers money continues, and Tax rises continues to benefit the fraudster because of rogue staff working in DWP Universal Credit.

All staff should be monitored for their performance, they must make a system in which for every call is logged to that particular Staff member for their performance and should we want to complaint we can have that staff member to be given a warning or sacked for allowing fraudulent behaviour to prevail. This is not hundreds of pounds of Taxpayers money which was squandered, I am talking here thousands of Pounds of Taxpayers funds squandered by the Tenants, misuse by fraudulent Tenants and all thanks to DWP Universal Credit Staff to allow this to happen.

10 months of experience with the DWP Universal Credit Staff members and unfortunately some staff members are not listening to my concerns and are deliberately allowing the Taxpayers money to be squandered in thousands of pounds of Taxpayers money to benefit Fraudulent Tenants.

11 août 2026
Avis spontané
Noté 2 sur 5 étoiles

Initially I didn’t seem to be able to…

Initially I didn’t seem to be able to get it to work and ended up with 5 loan applications. When I called they did straighten it out but the loan actually approved was not the one I really wanted.

5 août 2026
Noté 5 sur 5 étoiles

Experian provided a lead to Universal…

Experian provided a lead to Universal Credit to get a personal loan to pay less interest on my credit cards. The process was simple and after only a few questions, I had a was able to consolidate all my credit cards debt to one monthly payment for 70% less per month. Definitely a great experience.

4 août 2026
Noté 5 sur 5 étoiles

Easy and quick faster than a bank

The application was really easy and the loan was approved very quick. The funds came shortly after. Loans are not usually that quick and easy. I highly recommend upgrade if you need a loan.

30 juillet 2026
Noté 5 sur 5 étoiles

Loan application was easy to complete

Loan application was easy to complete; process and approval moved very quickly; funds were distributed as assigned and without issues; electronic payment plan allows me the freedom to ensure payments are made on time.

28 juillet 2026
Noté 5 sur 5 étoiles

I was pleased with the no hassle quick…

I was pleased with the no hassle quick and easy loan process you provided. With an excellent credit rating, I was turned down by other creditors with hard inquiry to my credit. My loan was approved within a day, and my loan was in my bank account the next day.

22 juillet 2026

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