~75%
AutoPay Enrollment
High enrollment supports consistency, reduces missed payments, and improves servicing efficiency. Enrollment is built into the Point of Sale in our platform.
Better Consumer Experience. Stronger Payment Performance.
UAS is a third-party servicer for Lenders, Banks, Credit Unions, CUSOs, Title IV schools, and Retail finance programs. We pair borrower-friendly servicing with disciplined consumer support and outbound communications to lift payment performance across every credit tier.
Do you have an existing consumer/borrower account?
Log in to uPortal360 to make a payment, set up AutoPay, view statements, or get help.
Built to Remove Friction Where Payments Stall
UAS is designed to remove payment friction, improve borrower engagement, and help servicing teams focus communication effort where it actually matters.
~45 sec
Average Answer Time
Fast support helps borrowers resolve issues quickly and complete payments without avoidable delay.
24 / 7
Portal Support
Round-the-clock portal availability plus live escalation during business hours let consumers manage accounts at their convenience.
Card Updater
Fewer Failed Payments
Automatic card updates reduce friction caused by expired or replaced cards.
Institutional Programs That Demand More Than Basic Processing
UAS supports institutional lenders and finance programs that need stronger servicing discipline, better borrower support, and more focused communication and support engagement.
🏛
Banks
Third-party billing and servicing support for consumer lending portfolios that demand operational consistency.
🏦
Credit Unions
Borrower-friendly servicing built to lift payment performance and reduce avoidable delinquency.
🎓
Title IV Schools
Experienced support for private student loan and school-based financing programs with clear servicing operations.
🛒
Retail Finance
Servicing for merchants offering retail installment contracts and other consumer financing arrangements.
Third-Party Billing Across Every Account Type
UAS provides servicing support across multiple agreement types and financing models. The goal stays the same: make payment easy, keep communication clear, and lift servicing performance with focused and effective communication.
🏦
Consumer Loan Servicing
Installment lending servicing with clear billing, payment handling, borrower communication, and performance-focused operations.
🎓
Private Student Loan Servicing
Borrower-facing servicing for school financing and private student loan programs, including payment and account support.
🗓️
Retail Installment Contracts
Structured servicing for retail finance portfolios with strong payment workflows and borrower self-service.
💳
Revolving / Open-End Accounts
Support for open-end structures where repeat usage, ongoing payment handling, and balance visibility matter.
📆
Closed-End Accounts
Reliable servicing for fixed-term repayment structures requiring operational consistency and clear borrower communication.
⭐
Specialty Agreements
Flexible servicing for Subscriptions, Account Receivables, and other account structures where payment handling and communication still need to work together.
Support That Meets Borrowers Where They Are
Multi-channel borrower support designed to reduce friction and improve account resolution — so willing borrowers can stay current.
📧
Clear messages and direct next steps that help borrowers act quickly.
💬
Chat
Fast digital support for common questions, payment guidance, and account access.
📱
SMS
Timely outreach that helps reduce missed payments and improve follow-through.
📞
Voice
Inbound support plus live call center escalation during business hours.
Improve Performance Before Default Pressure Increases
High-performing portfolios don't rely on pressure alone — they make it easy for willing borrowers to stay current. UAS is built around that principle.
How UAS Reduces Avoidable Delinquency
When borrowers have a clear path to pay, more payments get made — keeping communication resources focused on accounts that truly need deeper attention.
1
Clear Communication
Borrowers receive timely, understandable messaging and account information.
2
Easy Payment Path
Self-service tools and payment options reduce friction at the moment of intent.
3
More Successful Payments
AutoPay, card updater, and responsive support increase completed payments.
4
Fewer Delinquencies
Servicing teams stay focused on harder accounts instead of preventable fall-through.
A Better Borrower Experience Drives Better Results
Borrowers are more likely to make payments when the process is clear, respectful, and easy. UAS combines payment tools, account visibility, and responsive support to reduce friction.
uPortal360 — Borrower Portal
Simple. Clear. Respectful.
Self-Service
Next Payment Due
$285.00
AutoPay
Active
Recent Activity
Payment Options
Simple Consumer Portal
uPortal360 gives borrowers clear access to balances, statements, and payments through a self-service experience.
AutoPay & Card Updater
AutoPay enrollment, card updater, and flexible payment handling keep payments on track.
Proactive Outreach
Event-driven email, SMS, and voice outreach supports reminders, issue resolution, and clearer next steps.
Responsive Support
24/7 AI inbound support, live agents, and chat help borrowers get answers and complete payments faster.
Institutional-Grade Trust and Operational Discipline
Lenders need a partner that is operationally mature, security-conscious, and built for regulated environments. UAS pairs borrower-facing capability with the trust posture institutional programs expect.
✓
Compliance Posture
PCI DSS compliant with a servicing model built for institutional buyers, controlled environments, and regulated programs.
🔒
Security & Controls
ISO 27000, SOC 1 Type 2, and SOC 2 Type 2 — visible proof of operational discipline and security maturity.
⚖
Licensing & Oversight
Licensed as a third-party servicer and/or collector in states where licensing is required. NMLS #1060516.
Looking for a Better Third-Party Servicing Partner?
UAS works best with lenders and finance programs that need a stronger servicing operation, a better borrower experience, and a partner willing to match solutions to real portfolio problems.