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Uprova is Not a Payday Loan Lender

We're Something Better!

Payday loans are aggressive, short-term forms of credit that require borrowers to repay the entire loan amount plus very high-interest fees on their very next payday.

If a borrower is unable to pay off the entire loan plus applicable fees and interest by their next payday, new finance charges are added to the loan and the principal borrowed amount may be rolled over again to the next payday. As a result, payday loans can become extremely expensive extremely quickly, especially when borrowers are unable to repay them on time, as they continue rolling over from payday to payday, exponentially increasing.This cycle usually results in substantial finance fees and the borrower falling further into debt.

Even worse, payday loan finance fees can’t be avoided because borrowers do not pay off the principal or borrowed amount until the very end of a loan, which is called a balloon payment. Therefore, payday loan agreements often include a full finance charge in the final balloon payment, without an option of reducing interest by paying off the loan early.

Uprova's Three Easy Steps to a Payday Loan Alternative

one
Apply in Minutes
Our streamlined online loan process is fast and secure. Checking your rate will not affect your FICO® credit score!¹
two
Quick Decision
Our proprietary scoring system uses the information you provide in making an approval decision quickly.
three
Receive Funds
Apply now and you can typically receive funds within 30 minutes, 24/7/365!*
Family in their living room financially stable.

How are Loans with Uprova Different?

Tribal Installment
Loans Offers:

  • Pay down the principal with each payment with on-time payments
  • A fixed number of payments
  • No hidden fees
  • Easy to understand loan terms
  • No prepayment penalties
  • Multiple repayment options

An Alternative to Payday Loans
That Makes Sense!

At Uprova.com we believe it’s time to bring the “Subprime” and “Deep Subprime” borrowers out of the shadows. Uprova cares about finding a credit solution for these hundreds of millions of Americans with “Subprime” or “Deep Subprime” credit scores

Our vision is to assist “Subprime” and “Deep Subprime” borrowers with climbing out of debt, by providing lending options that don’t take advantage of their misfortune. Instead, we want our options to propel these borrowers forward, out of financial hardship.

Our alternative to traditional payday loans is Uprova’s interest-based installment loan. These installment loans have similar eligibility requirements as payday loans, but provide borrowers with competitive rates, flexible terms, and more lenient repayment structures. Additionally, these installment loans provide benefits to borrowers such as reported credit activity to the relevant credit bureaus, which helps build positive credit history when payments are made on time.

Uprova.com’s installment loans help borrowers overcome their short-term financial obstacles, as well as assist them in building up alternative credit scores, to avoid being in a similar situation in the future. Building an alternative credit score can provide opportunities to receive more substantial loans from lenders who use those scores. Those who qualify for these options should consider installment loans as a much better alternative to payday loans.

Learn More About Uprova's
Alternative to Payday Loans:

online application
Easy Online Form
It’s easy to get the funds you need.** Just fill out our online form. It’s quick, secure, and straightforward. You can pay off life’s emergencies with ease!
money options
Get The Funds You Need
No matter what your credit history may be, you can still apply with us. You can typically receive funds within 30 minutes, 24/7/365!*
direct deposit
Direct Deposit
No checks to deposit, no trips to the bank. Get the money you need sent right to your bank quickly!
Get a Tribal Installment Loan Now
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Fair rates, simple terms, and better value. An alternative to payday loans.