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*Caution, this is a resource Only. Use it at your own discretion. Loans are not for everyone and we do not recommend getting one. Be careful and read the fine print.

  Universal Credit provides you with access to credit when you need it most. Whether it is to consolidate debt, fix a leaky roof, pay for auto repairs, or to cover any number of life’s unexpected expenses, Universal Credit is here with easy online access to the money you need, quickly.

  * Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.93%. All personal loans have a 5.25% to 8.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months.

Frequently asked questions page: Click Here 

  About Universal Credit: Click Here 

  Website: Click Here

  Better Business Bureau 

  Equal Housing Lender 

Again this is a resource. We are not recommending loans and we are not in any partnership with Universal Credit.


The founder of EDL personally knows how far help can go. In the middle of law school, 2010, he suffered a Traumatic Brain Injury. He had to relearn how to do the most basic activities like walking or talking. With self determination and help from therapy and the department of assistive and rehabilitative services (DARS), he graduated law school and created this nonprofit. Without help, he firmly believes things would have turned out much different. That is why EDL wants to help. We know firsthand how much of a difference it makes.

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