When times are tough, it can be hard to find a lender that works with you. Uprova may be able to help. It offers up to $5,000 to qualified borrowers, and you may not need credit to be approved. But it doesn’t have much in the way of customer reviews yet, and you may be able to get a lower rate elsewhere if you have fair credit.
$300
Min. Amount
$5,000
Max. Amount
Up to 30 minutes
Turnaround time
| Product Name | Uprova Tribal Loans |
|---|---|
| Min. Amount | $300 |
| Max. Amount | $5,000 |
| Loan Term | 9 to 36 months |
| Loan Security | Unsecured |
| Turnaround Time | Up to 30 minutes |
| Requirements | At least 18 years old and live in a serviced location |
Uprova is a lender run by the Habematolel Pomo, a federally-recognized Native American nation of Upper Lake, California. It offers borrowers small-dollar loans that range from $300 to $5,000.
Currently, you can check your rate with Uprova if you live in one of the following states.
For all other states, it refers you to its affiliate, Mountain Summit Financial.
Select your state to find available short-term loan options.
Uprova uses a 128-bit SSL certificate to keep everything you enter on its website secure. It also has several security services in place to prevent hacking.
However, keep in mind that no information is completely safe when you enter it online, and Uprova may choose to share some of your personal information for marketing purposes. You can limit some sharing by contacting Uprova at 866-362-3444.
| BBB accredited | No |
|---|---|
| BBB rating | NR |
| BBB customer complaints | 1 |
| Customer reviews verified as of | 30 April 2021 |
To be eligible for a loan from Uprova, you’ll need to meet at least two basic criteria: live in a serviced area and be at least 18 years old. While these are the only eligibility requirements that Uprova lists, you’ll likely still need a regular source of income and a bank account to receive your funds.
If you live in California, Delaware, Georgia or Washington you’ll be able to check your rate. All other applicants are directed to an affiliate of Uprova.
If you already have an account, you can use your login info or call to start a new application. If not, follow these steps to apply:
Application decisions happen in moments. If you’re approved, funds could hit your account in up to 30 minutes. Your loan can be deposited directly into your account through ACH transfer, sent to your debit card or sent by check.
Before you sign, review your Consumer Loan and Arbitration Agreement — your loan contract — to confirm that the payment schedule and repayment amounts are within your budget. Once you agree, the money is sent to you in the method you request.
Sign in to your account at any time to make a payment or pay your loan in full. Otherwise, payments are withdrawn automatically according to the schedule set out in your loan agreement. If you don’t have enough to cover the payment, Uprova may charge you a $20 insufficient funds fee.
If you have any questions or concerns, contact customer service at 866-362-3444 or customerservice@uprova.com.
Uprova is an expensive option when compared to other personal lenders, which can have rates starting under 10% for qualified borrowers. Also be aware that as a tribal lender, many state regulations won’t apply.
Before borrowing, compare your short-term loan options for emergency expenses and personal loan options for larger purchases.
Answers to common questions about Uprova.
How can I reapply for a loan from Uprova?
To reapply, sign in to your account through Uprova’s website or call 866-362-3444.
How many loans can I have out at once?
Take out only one loan at a time through Uprova. If you have more than two active loans from other providers, it won’t be able to extend a loan to you.
What happens if I can’t make a payment?
Contact customer service as soon as possible. Otherwise, Uprova may attempt to make up to two withdrawals from your bank account. If there are insufficient funds both times, your account may be suspended and Uprova will start the collections process.
Uprova Tribal Loans is not currently available on Finder
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