About Ultra Global Bank
Fair, transparent credit for the people who keep America running — since 2012.
Our mission
Ultra Global Bank was founded to give working Americans a fair alternative to payday lenders. We believe your steady job and responsible habits should count as much as a three-digit score.
Today we have helped more than 180,000 employees — including tens of thousands of federal and postal workers — access over $1.2 billion in affordable installment loans.
Our lending principles
- APR always capped at 35.99%
- No hidden fees or prepayment penalties
- Clear disclosures before you sign (Truth in Lending Act)
- Credit reporting that helps you build credit
- Hardship programs when life gets hard
Leadership & expert reviewers
Our content and products are reviewed by credentialed finance and compliance professionals.
Michael Grant, CFP®
Head of Financial Education
15+ years advising federal and postal employees.
Sarah Patel
Chief Compliance Officer
Former state banking examiner; oversees TILA, ECRA and FCRA compliance.
James Whitfield
Chief Executive Officer
20 years in consumer lending and community banking.
Licensing, security & compliance
We comply with the Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA) and applicable state lending laws. Applicant data is protected with 256-bit SSL encryption and stored in SOC 2-audited data centers.
Have a concern? You may contact us directly or submit a complaint to the CFPB.
What our borrowers say
“Honest people, honest rates. I recommend them to everyone at my station.”
“Fast, clear and respectful. They explained every number.”
“Helped me get out of payday loans for good.”
Join 180,000+ employees who chose fair credit
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