Uprova Review

Sara Rumlow

October 7, 2023

This tribal lender can loan you up to $5,000 in 30 minutes if you meet their qualifications, and you can get your money any day of the week.

• Best For: Best for anyone in a pinch who needs cash fast, especially on a weekend or holiday. 
• What to Watch Out For: Watch out for the company’s ability to skirt federally-set interest caps on their installment loans.

• Loan Amount: $300 to $5,000
• Loan Term: 9 months to 36 months, based on the amount borrowed
• APR: 34.5% to 35.99% estimate. Based on customer reviews, up to 700%
• Fees: No origination, early payoff, or application fees

You can apply for a loan with Uprova if you live in the following states:

• Credit Score Range for Approval: 300 and up
• Turnaround Time: 30 minutes to one business day
• Requirements – Have to be a US citizen who is 18 or older. There are no income level requirements, but you have to show you have steady income and employment. You’ll also need a bank account to receive your funds. 
• Acceptance – Uprova works with people of all backgrounds, including those on welfare as long as they can show they’re employed and have a steady paycheck coming in. Past bankruptcies won’t affect your eligibility unless you’re filing for one at the time you apply for a loan. 
• Loan Security – Uprova offers unsecured installment loans.
• Fees – They claim no hidden fees, and there are no fees if you prepay the loan, nor is there an origination or application fee. There is no monthly service fee, but they do have a $25 insufficient funds fee if your payment declined. 

What are the benefits of Uprova?

Uprova offers installment loans that can be decent if you’re in a pinch and need cash fast. There are benefits to choosing this company, including: 

• Accepts 300 credit scores
• Money within 30 minutes
• Multiple payment options
• No prepayment penalty

What to watch out for

Unfortunately, like most companies offering installment loans, there are drawbacks, and a few big ones with Uprova include: 

• Unclear interest rates and fees
• Can’t apply by phone
• May require credit checks
• Not available in every state

Is Uprova legit? 

Yes, they are legit as a tribal lender. As opposed to state or federal laws, a licensed tribal lender is a bank that works with and offers loans under the rules and authority of a Native American tribe. Because these lenders are sovereign, the way they lend money may be different from how lenders regulated by the state do it.

However, there are several recurring complaints about the company. For example, they currently have a 1.24/5 stars on the BBB, and the top few complaints talk about the interest rates, which they claim is an excess of 400%, when Uprova claims there is a cap of 35.99% on their website.

Am I eligible?

You won’t need a lot to qualify for Uprova’s installment loan program, but the necessary points include: 

• At least 18 years old
• US citizen
• Active bank account in good standing
• Proof of employment and steady income
• Residency proof like a driver’s license or passport

How do I apply for a loan with Uprova?

Uprova makes it very quick and easy to apply for their installment loans online. To apply online you’ll: 

1. Go the the lender’s website and click Check my Rate 
2. Create an account by entering your first and last name and email, then picking a password.
3. Answer the military duty question 
4. Enter
   • Address
   • Social security number
   • Length of time at your employer, employer name and phone number
   • Gross monthly income 
   • Pay frequency 
   • Bank account information 
5. Click accept and see if you qualify

What documents do I need to apply?

You will need a few key documents to prove your identity and income, and they include: 

• Driver’s license, state-issued ID, or passport
• Check stubs or bank statements 
• Utility bills if your address is different than your ID

What are other loans like Uprova? 

If you don’t qualify for Uprova, there are a few other lenders you can try, including: 

• Opploans – This is an online lender that offers a range of short-term loans, including debt consolidation, installment, and payday loans up to $4,000. 
• Creditninja – Great for borrowers with less than stellar credit, Creditninja features installment and payday loans up to $5,000. 
• Quick Credit Connect – Tailored toward borrowers with thin credit histories, this lender offers personal loans up to $3,000. 

What are other tribal lenders like Uprova? 

You can try other tribal lenders for a short-term loan if you don’t feel like Uprova is a good fit for your situation, including: 

• Eloanswarehouse – This lender offers tiered installment loans to people with poor credit, and you can borrow up to $2,500. 
• Fineday funds – Borrowers will get fast funding up to $1,500 with this online lender, and you can use it to build your credit. 
• Reprise financial – As a solid choice for people looking for up to $25,000, Reprise Financial offers instant loan approvals for people with good credit. 

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