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Challenged Credit Experts

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Local, fast, friendly & family owned!

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No Waiting Period After Bankruptcy

We Report to Credit Bureaus

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Installment Loans

Reasonable Rates & Terms

Not like internet or payday loans!

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24 Hour Approval Process

No matter the situation, we come through for our customers.

Universal Lenders really helped me out. Great people with really great customer service! - Jessie
Universal Lenders helped me make the best out of a bankruptcy mess. I'm very thankful for the help they were able to provide. - Rick