Answers for Consumers and Institutional Partners.

1. Visit https://uportal360.com/login
2. Enter your Account Number and Access Code
   1. Choose to Validate your Birthday
   2. Or click on "Answer a Different Question"
   3. Validate the last 4 of your SSN
3. If you cannot login, call Universal Account Servicing, LLC Customer Care: 1-888-233-2302

You can find your Access Code:

• On your Monthly Statement
• On the Welcome Letter that was part of your Contract packet

OR, you can search for your Access Code:

1. On the login screen, click on I forgot my Username or Password.
2. Select the Consumer role.
3. Use the search feature to enter the e-mail address associated with your Account to retrieve your Access Code.

For more information, visit the Where can I find my Access Code? FAQ.

If you cannot get past the validation option, there may be an error with the data we have on file. This error requires a call to Universal Account Servicing, LLC Customer Care: 1-888-233-2302.

1. Phone: 1-888-233-2302
   • Monday – Friday: 7AM – 7PM Central Time
2. Address: PO Box 12027, Parkville, MO 64152
3. Email: [email protected]
4. If you cannot log in, call Universal Account Servicing, LLC Customer Care: 1-888-233-2302.

1. From the Menu, select Your Account, then select "Contact Info".
2. Your current information will be displayed on the screen.
3. Click Edit to modify any contact information.

For ease of use, our system assigns a randomly generated account number and access code. In addition, another data point must be provided to access the account. This meets industry practices to have multi-factor login access.

Security software may recommend you change your password or indicate it may be compromised. UAS can assign a new Access Code if requested. Please know that due to the length of the code and being numeric, this warning is unlikely to change. Any attempt to access your account would also require the additional question to be answered correctly.

Your Payment Card and ACH information is not stored in our portal. No one can access your full payment information even if they have managed to compromise your account. All that is visible is the last 4 digits. We never store the CVV anywhere in our database.

A Co-Applicant will have full access to the Account along with the primary account-holder. After completion of the contract signing process, a copy of the Contract document packet will be provided to the Co-Applicant. The packet will include a Welcome Letter, introducing Universal Account Servicing, LLC (UAS) and the uPortal360 platform, along with information needed to access the Account online. When a Co-Applicant attempts to log in to the uPortal360 platform, they will be asked security questions, such as the Birthday or Last 4 of SSN of the primary account-holder. As an Authorized Party on an Account, a Co-Applicant will have the same access and authority on the Account as the primary account-holder when communicating with UAS.

Yes. From the Menu, select Your Account and then select "Agreement Details". Terms, Interest Rate, and a copy of your contract are available.

Please contact Universal Account Servicing, LLC Customer Care: 1-888-233-2302. Depending on what information you need to update, we will require that you send us a copy of one of these documents that includes the information you are requesting to be changed:

• Social Security Card
• W-2 Form
• Current driver's license
• Passport
• Birth Certificate
• Unexpired U.S. Military ID
• State ID
• U.S. Military discharge papers (Form DD214)
• U.S. Certificate of Naturalization (Form N-550 or N-570)
• U.S. Certificate of Citizenship (Form N-560 or N-561)
• Court order
• Alien Registration Card (Form I-551 or I-151)
• Marriage certificate

Please send your documentation to:
PO Box 12027
Parkville, MO 64152

This notice is specific to student loan borrowers regarding certain alternative repayment and/or hardship arrangements for which you may be eligible. Your private student loan provider does not provide alternative repayment or hardship arrangements for retail installment contracts. As the third-party student loan servicer, UAS does not provide alternative repayment options and/or hardship arrangements unless directed to by your private student loan provider. For further details, please call us at (888) 233-2302 or contact your student loan provider directly to discuss what options may be available.

An explanation of how your payments are applied can be found in your Agreement or Contract. Generally, UAS applies payments for certain credit products as detailed below.

Bank Installment Loans and Retail Installment Contracts: We generally allocate all payments first to interest, then to any unpaid fees, and then to the balance of outstanding principal.

Retail Installment Credit Agreements: We generally apply payments first to outstanding finance charges (interest), fees, and any past-due amounts. After outstanding fees and past-due amounts are paid, the Minimum Monthly Payment as well as any excess over the Minimum Monthly Payment will be applied as follows: first to special promotional financing term amounts in the order of expiration, soonest first; next to interest-bearing amounts, in interest rate order, higher rates first (if applicable).

1. From the Menu, select Your Account, then select "AutoPay".
2. Select Setup AutoPay.
3. If you do not have a Payment Method on file, add a Checking Account or Credit Card.
   1. See "How do I manage Payment Methods?" for help.
4. Select your Payment Method for AutoPay.
5. Select Minimum Payment or enter an Override Payment Amount for accelerated payoff.
6. Read the Disclosure.
7. Sign by using your finger on a phone or tablet, or click and hold the left mouse button as you draw a signature.
8. Select Submit.
9. The AutoPay Success message will be displayed.

1. From the Menu, select Your Account, then select "AutoPay".
2. Click on Opt-Out.

1. From the Menu, select Your Account, then select "Payment Methods".
2. You can "Add" methods at any time:
   1. Click Add.
   2. Select Checking or Credit Card.
   3. Checking Account
      1. 9-digit Routing Number
      2. Account Number
      3. Billing Address
      4. Select Save
   4. Credit Card
      1. 16-digit Card Number
      2. Exp Month and Year
      3. Billing Address
      4. Select Save
3. Edit — Pencil Icon
   1. Allows you to update your Billing Address.
4. Delete and Copy — Two Pages Icon
   1. Used to change your Card Number or Expiration Month/Year of the Card on File.
5. Delete — Red Trashcan
   1. Removes the Payment Method from our system.
6. Delete Payment Method used for AutoPay
   1. If you delete a Payment Method that is used for AutoPay, you will get an error.
   2. You must first Opt-Out of AutoPay. See "Can I Opt-Out of AutoPay?"

Yes. From the Menu, select Your Account and then select "Transactions". You will see a list of all payment history as well as any other types of transactions.

• ID — Unique ID of the transaction.
• Status — Processing = received but still pending; Complete = posted to your Account; Declined = transaction was declined and payment was not posted.
• Date Received — Date we received your payment.
• Date Processed — Date we posted your payment.
• Type — Defines the type. E.g., Payment, Adjustment, Fee, etc.
• Payment Amount — The total amount of the payment.
• Adjustment Amount — The total amount of the adjustment.

Yes. From the Menu, select Your Account and then select "Charges".

• Charge Slip # — Unique ID of the charge.
• Date — Date the charge was posted to your account.
• Description — Brief description of the goods or services purchased.
• Cash Price — Total cost of the good or service purchased.
• Down Payment — Amount you paid down at the time of the charge.
• Charge Amount — Remainder of Cash Price less Down Payment.
• Status — Incomplete = pending charge that is not signed; Open = signed charge with a balance; Paid = charge has been paid in full.
• Balance — Remaining balance.

1. From the Menu, select Your Account, then select "AutoPay".
2. Select "Update".
3. Choose your Method of Payment or Add Another Payment Method.
4. Select Minimum Payment or enter Override Amount.
5. Sign.
6. Select "Submit".

Certain payment limitations may apply to your account. Please contact Universal Account Servicing, LLC Customer Care: 1-888-233-2302 to resolve your issue and complete your payment.

Payment Method Validation Troubleshooting

You received a message stating something went wrong. Before you search for the applicable error code, please review the troubleshooting steps below to fix the most common issues.

1. Payment Method (type of payment method selected must match card being used).
2. First Name and Last Name are spelled/entered correctly.
3. Address (street number, apt/unit number, city, state, zip code, country). Address associated with card must match the address entered.
4. Checking account and bank routing number were entered correctly.
5. Credit/Debit card number is entered correctly.
6. CVV/CVC is entered and correct.
7. Expiration month/year is correct (confirm the card is not expired and entered in the correct format mm/yy).
8. Reach out to your bank / card issuer — confirm the transaction was not flagged for potential fraud or blocked. After resolving with them, retry.
9. Use a different payment method.

Didn't find what you were looking for? Contact our support team at (888) 233-2302 or [email protected].

A Promotional Offer is your opportunity to pay no interest on a purchase — if you meet specific conditions before a deadline. This is not a zero-interest or 0% APR loan. Interest is being calculated on your purchase from the date you took delivery of the goods or services. The promotional offer gives you a way to avoid paying that interest.

The two conditions you must meet

To get the no-interest benefit, you must do both of the following by the end of your Promotional Period:

1. Pay the full Amount Financed — the entire amount you borrowed for that purchase — on or before the Promotional Period Expiration Date shown on your agreement and monthly statement.
2. Make every scheduled monthly payment on time during the Promotional Period.

If you meet both conditions, the interest is waived. Miss either one and interest is owed, calculated from the delivery date at the APR shown on your contract.

Important: the minimum monthly payment alone usually won't pay off the Amount Financed

Your minimum monthly payment is calculated to pay off the loan over its full term — which is longer than the Promotional Period. To take advantage of the promo, you almost always need to pay more than the minimum each month. A common rule of thumb: divide your Amount Financed by the number of months in the Promotional Period to estimate the payment that would pay it off in time.

Two types of promotional offers you may see

Promotional offers come in two structures. The end result is the same either way — pay the Amount Financed in full and stay current, and no interest is owed. The structures differ only in how interest is applied to your account and displayed on your monthly statement during the Promotional Period.

1. Assessed Interest — often labeled "No Interest if Paid in Full Within [N] Months"

• Interest is calculated and posted to your account each billing cycle as a "Deferred Interest Charge." You'll see it on your monthly statement.
• Each scheduled monthly payment is applied to interest first, then principal — same as a normal loan.
• If you pay the full Amount Financed by the expiration date and made all payments on time, the deferred interest charges are reallocated to principal and waived. Your account balance drops by that amount.
• If you don't, those deferred interest charges stay on your account — you owe them.

2. Accrued Interest — often labeled "No Interest Assessed if Paid in Full Within [N] Months"

• Interest is calculated (accrued) but not posted (assessed) to your account during the Promotional Period. It is tracked separately on your statement as "Non-Assessed Interest Charges" so you can see what would be owed if the promo isn't met.
• Every dollar of your monthly payment goes 100% to principal during the Promotional Period. None of it goes to interest.
• If you pay the full Amount Financed by the expiration date and made all payments on time, the tracked interest is permanently released — nothing posts to your account.
• If you don't, the full amount of accrued interest (going back to the delivery date) is added to your account balance in one lump on the expiration date.

What if I pay off most — but not all — by the expiration date?

The promotional benefit requires paying the Amount Financed in full. If you fall even a small amount short, the full interest charge is owed. On a Accrued Promo, that means the entire accrued interest is added to your account on the expiration date. There is no partial credit for partial payoff.

Can the promo end early?

Yes. If you miss a payment during the Promotional Period, the promo can be terminated before the expiration date. When that happens, any accrued interest is assessed in to your account balance as if the Promotional Period had ended that day. Any interest assessed cannot be waived. Your account moves to standard servicing. The fastest way to avoid this is to keep your monthly payments current — AutoPay is the easiest way.

Even if I miss the promo on an accrued promo, did my payments help?

Yes. Because every dollar paid during an accrued promo goes to principal, you'll have a smaller balance to amortize after the expiration than if you had taken a standard interest-bearing loan from day one. You still owe the accrued interest, but your remaining principal is lower.

Tips for making the most of a promotional offer

• Enroll in AutoPay in uPortal360 so you never miss a scheduled monthly payment.
• Pay more than the minimum each month so your balance reaches zero before the Promotional Period Expiration Date.
• Set a calendar reminder for one month before your expiration date so you have time to make a larger payment if needed.
• Check your monthly statement — your Promotional Period Expiration Date and the current deferred or non-assessed interest amount are shown each cycle.

How do I see my promo details?

Log in to uPortal360 and review your monthly statement. The "Interest Charge Calculation for Special Interest Terms" or "Unexpired Deferred Interest Plans" panel shows your Promotional Period Expiration Date, the remaining Amount Financed (or balance subject to the promo), and the current deferred or non-assessed interest. The full terms of your offer — including the APR that would apply if the promo isn't met — are in your contract or Charge Slip.

Quick reference: the "is it / isn't it" list

• Is an opportunity to pay no interest if you pay in full on time.
• Is calculated using simple interest, daily, from the delivery date.
• Is not a 0% APR or "no interest" purchase.
• Is not automatically satisfied by paying only the minimum monthly payment.
• Is not partially forgiven if you pay most — but not all — of the Amount Financed.

You can contact each of the three major credit bureaus (Experian, Equifax, and TransUnion) at any time to make sure your information (Name, Address, Credit Freeze, Fraud Alerts) is accurate and up to date.

Below are the steps to create a TransUnion account, manage credit freezes, review your report, and how to create a dispute to update your data on file (if your information is not up to date). Each credit bureau (Experian, Equifax, and TransUnion) has its own website that allows you to perform similar actions. The credit bureaus do not share this information, so you will need to check them individually. Since UAS primarily uses TransUnion, it's best to start with them. Experian may also be used.

TransUnion — Consumer Service

Open your browser and go to https://www.transunion.com/. Select Member Login.
Select Service Center → Login.
On the Home page of your account, you can navigate through the tabs as desired.
On the Credit Freeze tab, you can manage adding a freeze or lifting a freeze.
On the Dispute tab, you can review your information without pulling a credit report, or you can update any data and provide documentation by clicking START NEW REQUEST → AGREE & CONTINUE. If you submit a dispute, TransUnion will provide the time frame in which the dispute will reflect on your credit report.
On the Credit Report tab, you can view your previous report (if you have one) or request a new report.

UAS services accounts for consumers in the United States and Canada. If you are paying from Canada, you have several options. The right choice depends on whether you have a U.S.-based bank account, how often you want to make payments, and whether you'd like to avoid currency-exchange surprises.

Best practice: pay in U.S. Dollars (USD).

Your contract is denominated in USD. Whenever possible, send your payment in USD — that way the amount we receive matches the amount you owe, with no exchange-rate uncertainty between the day you send the payment and the day it is processed.

Option 1 — Mail a USD personal check (recommended for most consumers)

• Write the check from any USD-denominated bank account. A U.S.-based bank account works best, but a USD-denominated account at a Canadian bank can also be used.
• Make the check payable to Universal Account Servicing, LLC and write your Account Number on the memo line.
• Mail it to: 603 East Street STE 301, Parkville, MO 64152
• Allow extra time for international mail delivery so your payment arrives before the due date.

Option 2 — Use a U.S.-based bank account for online / AutoPay

If you have a U.S.-based bank account — for example, an RBC Bank US account through their cross-border banking program, or any other U.S. bank — you are treated the same as any domestic consumer:

• Log in to uPortal360 and set up AutoPay or a one-time ACH payment from your U.S. bank account.
• Or, write a personal USD check drawn on your U.S.-based account and mail it as described in Option 1.
• This is the easiest, lowest-fee option, with no exchange-rate timing risk.

Note: a Canadian bank account that simply holds USD is not the same as a U.S.-based bank account. To use AutoPay/ACH from uPortal360, you must have an account at a U.S. financial institution with a U.S. routing number.

Option 3 — Canadian Dollar (CAD) check (least preferred)

We can accept a check written in Canadian Dollars, but please understand the limitations:

• The USD amount we ultimately receive is determined by the USD/CAD exchange rate on the day the check is processed — which can be several days after you mail it.
• Because of that timing, the converted USD amount usually will not match your exact payment due, which can lead to a small over- or under-payment that needs to be reconciled in the next billing cycle.
• International collection items can take longer to clear and post to your account.

If a CAD check is your only option, please over estimate the conversion and allow plenty of time for delivery of the mailed payment. Mail it to: 603 East Street STE 301, Parkville, MO 64152

A few tips

• Mail early. International mail can take 7–14 business days. Plan ahead so payments arrive before your due date.
• Always include your Account Number on the check memo line and any enclosed payment slip. This helps us post your payment to the right account quickly.
• Post-dated checks are not honored in the United States. If you write a post-dated check, your account may be debited earlier than the date written.
• AutoPay is the most reliable way to stay current. If you have access to a U.S.-based bank account, enrolling in AutoPay via uPortal360 removes the need to remember each cycle.