Uprova review: is Uprova legit?
The Habematolel Pomo of Upper Lake owns Uprova, so it lends as a tribal lender.
- APR
- from 34.5%
- Amounts offered
- $300 to $5,000
- States
- Not listed
- Complaints to the CFPB
- 458
- Enforcement actions
- 2
Uprova on file
- Owner
- Uprova Credit, LLC is fully owned by the Habematolel Pomo of Upper Lake in California.
- Issued by
- Uprova Credit, LLC
- Tribe
- Habematolel Pomo of Upper Lake
- Product
- We offer online installment loans with terms lasting up to 36 months
- Repayment length
- 36 months
- Cap on a first loan
- $5,000
- Credit checks
- We might check credit through a bureau, but your FICO score stays the same when you check your rate.
- Time to get the money
- Instant Funding sends it in 30 minutes or less, 24/7; without it, weekday applications approved by 4:30 PM EST usually get funded the next business day
Taken from what Uprova publishes, CFPB complaint counts and public enforcement files. All sources are listed at the foot of the page
Uprova fees and costs
Uprova gives this example: Example for a highly qualified borrower: a $2,500 loan at 34.5% APR over 36 months costs $4,023.53 total with bi-weekly payments of $51.58.
Good to know about Uprova
- The Habematolel Pomo of Upper Lake, a California tribe, owns the firm, which tribal law governs.
- The advertised rate is 34.5% APR, but only highly qualified customers taking out $500 or more over 36 months get it.
- Most tribal lenders offer less, yet even first-time customers here may get up to $5,000.
- Individual arbitration was ordered in a 2024 Indiana federal case involving a 335% loan.
- In 2026, Washington's regulator issued a warning that Uprova is not licensed in the state.
States where Uprova lends
The Uprova pages we read give no list of states (its FAQ). Ask which license covers your state and check it on NMLS Consumer Access before you share bank details.
Uprova complaints and lawsuits
The CFPB database lists 458 complaints naming Uprova Credit, LLC. Most common issues: you were charged fees or interest that surprised you; you are having trouble making your loan payments; you faced an issue with the payoff process when the loan ended. Check the CFPB count
- 2024 · US District Court, Southern District of IndianaThe case known as Walton v. An Indiana borrower brought a class suit over a $1,100 Uprova Credit loan at 335.43%. It cited state usury law and RICO; the court required individual arbitration instead. Source
- 2026 · Washington Department of Financial InstitutionsFollowing complaints, a consumer alert notes DFI in Washington has not licensed Uprova Credit, LLC or the Habematolel Pomo of Upper Lake. Source
Want a cheaper loan than Uprova?
Talk to a specialist about lower-cost choices in your state, credit union loans included. Talk to someone about cheaper options: 855.947.5189
This line reaches a debt and loan options specialist. We are not Uprova and cannot reach your Uprova account.
Uprova alternatives: loans like Uprova
| Lender | Type | APR | Amounts | States named | CFPB complaints |
|---|---|---|---|---|---|
| Uprova (this record) | Tribal lender | from 34.5% | $300 to $5,000 | – | 458 |
| Plain Green Loans | Tribal lender | – | $200 to $4,500 | – | None filed |
 MaxLend | Tribal lender | – | up to $3,750 | 35 | 134 |
 Minto Money | Tribal lender | – | $200 to $3,000 | 41 | 207 |
 Lendumo | Tribal lender | – | up to $2,500 | – | 1,016 |
– means the company does not publish it. Complaint counts are totals, not rates: a bigger company draws more. Open any name for its full record.
Questions about Uprova
Is Uprova legit?
The Habematolel Pomo of Upper Lake owns Uprova, which operates as a tribal lender. Their published APRs start at 34.5% for loans ranging from $300 to $5,000. There are 458 complaints against Uprova Credit, LLC in the CFPB complaint database, plus 2 government or court actions we located.
Who owns Uprova?
The Habematolel Pomo of Upper Lake (California) wholly owns Uprova Credit, LLC. The loan names Uprova Credit, LLC as the lender.
Does Uprova check your credit?
According to Uprova, a credit bureau check may occur, yet your FICO score stays unchanged when you check your rate.
How fast does Uprova send the money?
Uprova says Instant Funding sends money 24/7, usually in under 30 minutes. Otherwise, weekday applications approved by 4:30 PM EST are usually funded the next working day.
Has Uprova been sued or fined?
In 2024, the US District Court, Southern District of Indiana heard Walton v. Uprova Credit: an Indiana borrower filed a class suit over a $1,100 loan carrying 335.43%, under RICO and state usury law; the court compelled individual arbitration. In 2026, the Washington Department of Financial Institutions issued a consumer alert after complaints, stating the Habematolel Pomo of Upper Lake and Uprova Credit, LLC lack DFI licensing in Washington.
Where the Uprova facts come from
- For Uprova, the owner is Uprova Credit, LLC, an arm of Habematolel Pomo of Upper Lake.uprova.com
- Range of available loan amounts; Credit checkuprova.com
- New customers may borrow up to $5,000; Maximum term; Highly qualified borrowers taking $500 or more receive the lowest APRuprova.com
- Tribal law governs these loansuprova.com
- Total complaints for Uprova Credit, LLC in the CFPB databaseconsumerfinance.gov
- Suit name: Walton v. Uprova Credit: The court filing describes the loan held by the borrower.; The lawsuit titled Walton v. Uprova Credit: Legal claims madegovinfo.gov
- Suit title: Walton v. Uprova Credit: Result of the litigation.govinfo.gov
- Uprova appears in a consumer alert from Washington DFI; Business name listed in the Washington DFI alertdfi.wa.gov