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For Consumer Customers

United Consumer Financial Services (UCFS) facilitates the lending of money to individuals who want a good or service, but don’t have the current cash-on-hand to pay for the purchase in full…sometimes taking a chance on individuals that other finance companies have turned down.

All we ask in return is for each consumer to make their payments to us as agreed within the contract they signed.

We strive to provide exceptional consumer service going above and beyond your expectations to help us ensure each and every customer we serve is treated fairly and with respect.

We appreciate that life is unpredictable and certain circumstances are beyond control.  If you’ve experienced a life event that you would like to discuss with us, please call our Consumer Care team.


Our Consumer Care hours are:
Monday – Friday: 8 am – 10 pm ET
Saturday: 8 am – 1 pm ET
Sunday: 9 am – 2 pm ET

Mail payments to:
UCFS Payment Center
PO Box 856290
Louisville, KY 40285

To contact a Consumer Care representative, complete this form or call us at 800-338-6507.

California residents: click here to review our privacy policy before submitting a form on this website.

For Businesses

After signing with UCFS to offer financing as a payment form to customers, (think: cash, credit card or low monthly payments), our Client Services/Underwriting and Training team members are ready to support businesses up to 16 hours a day!

UCFS’ goal is to help every one of our business partners serve more customers. When sellers offer low monthly payments, consumer can make their purchase without cutting into daily living expenses.

After becoming a UCFS Merchant/Distributor, we help businesses by:

  • Providing a web portal for credit applications, creating contracts, reviewing payments made to the business
  • Accepting credit applications over the phone
  • Accepting supporting documents for sales that are financed
  • Training sales staff on how to offer financing
  • Paying businesses within 2-3 days of contract signing or service provided.
  • Providing personalized brochures so consumers see payment examples for their purchase
  • Handling consumer repayment for the life of the loan

After making the smart decision to become a UCFS client – and then offering financing to every customer for payment – your sales will increase! Our mission is to help our business partners succeed – because only then – will we succeed.


Our Client Services hours are:
Monday – Friday: 8 am – midnight ET
Saturday: 10 am – midnight ET
Sunday: noon – 10 pm ET

To contact your support team call 800-344-5000 or fill out the form below.

California residents: click here to review our privacy policy before submitting a form on this website.