United Credit helps consumers within a wide range of credit scores apply for financing with multiple lenders, meaning we connect more people like you with the loan you need.
We are not a lender; instead, we are a gateway to lenders who provide installment loans and other financing options with affordable interest rates and payment terms. Loans from our lender network vary based on your credit application.
Each of our lending partners has unique requirements and takes multiple factors into consideration, including but not limited to income, credit profile, and outstanding debt balances. In many cases, all you need is a valid ID and a verified mailing address to qualify.
After you complete an online application, we will submit it to our lender network. If you pre-qualify, you will receive a financing option within minutes (or up to one business day) after the application is submitted.
If one of our lending partners approves your loan request, we may contact you to review the terms and conditions. Once the terms are accepted and any stipulations are provided, the lender will disburse the funds you have requested.
Once your loan is approved, you’ll work directly with the lender to make payments.
The exact terms of your loan will be determined by your lender. However, most lenders require payment 1 month after purchase.
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