universal-credit.com Reviews
is universal-credit.com legitimate or a scam?
Why is the trust score of universal-credit.com very high?
https://universal-credit.com redirected to https//www.universal-credit.com during the time we crawled it. The website universal-credit.com appears to be a legitimate financial services platform, offering personal loans with fixed rates and predictable payments. The site provides information about the loan process, including checking your rate, choosing an offer, and fast funding. It also highlights the benefits of using their service, such as an easy online process, dedicated representatives, and 24/7 mobile account access.
Key Points:
1. Legitimate Business: The website is associated with Upgrade, Inc., a well-known financial technology company that provides personal loans, credit monitoring, and other financial products. Upgrade, Inc. is a legitimate and established company in the financial services industry.
2. Clear Loan Terms: The website provides detailed information about the terms of the personal loans offered, including the range of annual percentage rates (APRs), origination fees, repayment terms, and examples of loan amounts and payments. This transparency is a positive sign for potential borrowers.
3. Privacy and Security: The website includes links to its privacy policy and terms of use, which are important for understanding how personal and financial information is handled. Additionally, the site uses SSL encryption, as indicated by the SSL certificate issued by Amazon.
4. Contact Information: The website provides a physical address for Upgrade, Inc. in San Francisco, CA, as well as a help center for customer support. This information adds to the credibility of the site.
5. Regulatory Compliance: The website mentions its NMLS ID (1548935), which is a unique identifier for financial services companies registered with the Nationwide Multistate Licensing System & Registry (NMLS). This suggests that the company is compliant with relevant regulations.
6. No Prepayment Penalties: The website explicitly states that there are no prepayment penalties or fees for paying off a loan early. This is a consumer-friendly policy and aligns with industry best practices.
7. Loan Offer Details: The website explains that loan offers are subject to verification and approval, and the availability of funds depends on the speed of the bank’s processing. This level of detail is important for managing expectations.
It’s important to note that while the website itself appears to be legitimate, individuals should always exercise caution when considering financial products and services. It’s advisable to thoroughly review the terms and conditions, compare offers from multiple sources, and ensure that the chosen financial institution is reputable and trustworthy. Additionally, borrowers should be aware of their own financial situation and only take on debt that they can comfortably manage.
As with any financial decision, it’s recommended to conduct thorough research and, if necessary, consult with a financial advisor or credit counselor to ensure that the chosen loan product aligns with one’s financial goals and capabilities.”
the reasons behind this review :
Legitimate Business, Clear Loan Terms, Privacy and Security, Contact Information, Regulatory Compliance, No Prepayment Penalties, Loan Offer Details
| Positive Points | Negative Points |
|---|---|
Website content is accessible No spelling or grammatical errors in site content High review rate by AI Domain Age is quite old Archive Age is quite old Domain ranks within the top 1M on the Tranco list | Whois data is hidden |
How much trust do people have in universal-credit.com?
Domain age :
7 years and 17 days
WHOIS Data Status :
Hidden
Website :
universal-credit.com
Title :
Universal Credit | Personal Loans to up $50,000
Description :
Personal loans up to $50,000 with fixed rates and payments. No prepayment penalties. Checking your rate has no impact on your credit score.
Website Rank :
545663
Age of Archive :
20 year(s) 3 month(s) 17 day(s)
SSL certificate valid :
Valid
SSL Status :
Low - Domain Validated Certificates (DV SSL)
SSL issuer :
Amazon
WHOIS registration date :
2017/11/19
WHOIS last update date :
2024/12/04
WHOIS Renewal Date :
2026/11/19
Organization :
Domains By Proxy, LLC
State/Province :
Arizona
Country :
US
Phone :
+1.4806242599
Email :
Select Contact Domain Holder link at https://www.godaddy.com/whois/results.aspx?domain=universal-credit.com
IP : 52.38.82.148
ISP : AS16509 Amazon.com, Inc.
Country : US
IP : 34.211.42.54
ISP : AS16509 Amazon.com, Inc.
Country : US
IP : 44.231.152.71
ISP : AS16509 Amazon.com, Inc.
Country : US
Name :
GoDaddy.com, LLC
IANA ID :
146
Registrar Website :
https://www.godaddy.com
Phone :
+1.4806242505
Email :
abuse@godaddy.com
Target : ns-462.awsdns-57.com
IP : 205.251.193.206
ISP : AS16509 Amazon.com, Inc.
Country : US
Target : ns-1322.awsdns-37.org
IP : 205.251.197.42
ISP : AS16509 Amazon.com, Inc.
Country : US
Target : ns-1885.awsdns-43.co.uk
IP : 205.251.199.93
ISP : AS16509 Amazon.com, Inc.
Country : US
Target : ns-654.awsdns-17.net
IP : 205.251.194.142
ISP : AS16509 Amazon.com, Inc.
Country : US
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This website was last scanned on December 4, 2024
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