UPI Loan Fund

For most low or moderate income, unbanked, and under-banked individuals, the lack of access to capital prevents them from taking advantage of viable opportunities that could make a positive impact in their lives and the lives of their children. The UPI Loan Fund provides personal loans helping individuals and families take advantage of opportunities and serves as a financial buffer during their times of need.

Approved personal loans offer these additional benefits to borrowers:

  • Debt Consolidation 
  • Credit Counseling Services 
  • Behavioral Financial Wellness Training

A UPI loan can help with:

  • Credit Card Debt
  • Moving Expenses
  • Starting a Business 
  • Education Expenses
  • Medical / Dental Cost
  • Emergency Auto Repairs
  • Unforeseen Emergencies
  • Unexpected Funeral expenses
  • Job Related Expenses (Purchase Tools, Computer, etc.)
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Loan Eligibility

To receive a UPI loan, you must have the following qualifications:

  • At least 21 years old
  • Have a social security number 
  • Demonstrate a need for a loan
  • Have a steady source of income
  • Own state-issued identification (drivers license, I.D., etc.)
  • Can supply all the documentation required
  • Have one or two guarantors to secure your loan (if necessary) 

Apply now and see if you qualify:


This isn’t a Title Loan – We do not charge high interest rates! We provide affordable personal loans because we are here to help you!

Title Loans are instant short-term cash advances against someone’s car/title as collateral. They can help in emergencies but can leave borrowers indebted for years. They target people without credit cards — often those with the worst credit — and charge borrowers much higher interest rates. Annualized rates are about 390 percent, according to the Consumer Financial Protection Bureau (CFPB.)



Our Purpose – “Our purpose can best be described as “impact investing”.
We are capable of providing affordable, low cost loan products at varying interest rates that focus on your financial needs and we do our best to support the unbanked and under-banked, low/moderate- income families and communities; particularly the marginalized consisting of African Americans, veterans and people of color.

Our Services – We serve the needs of communities and municipalities by giving individuals, families, veterans and businesses an affordable loan option/alternative coupled with first class cloud-based and in-class behavioral financial wellness seminars/training.
The UPI Loan Fund was created to provide a viable alternative to predatory lenders who charge fees and interest rates at 400% and higher. These predators (e.g. Payday and Title Loans) although legal in many states, primarily operate in poorer communities, especially communities of color, preying on people during their time of financial need.

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The UPI Loan Fund (UPILF) a division of Unified Progress International (UPI) Education is an African American led Community Development Loan Fund (CDLF) and an emerging Community Development Financial Institution (CDFI).

UPI Education was incorporated in 2004 to provide life skills training. We have done this through our award-winning Life Skills Solutions™ training curriculum, designed to provide students, parents, teachers and mentors with the tools to navigate life’s challenges and develop a purposeful life.

After years of training hundreds of individuals with the UPI Life Skills Solutions™ curriculum, we decided to fill the need to help individuals, families, businesses and communities in gaining access to affordable capital and personal loans.

Apply now and see if you qualify: