On the complaint record, Happy Money scores higher (51/100 against 49): it answered 98.9% on time and gave relief in 0% of closed complaints, against 100% and 1% for Universal Acceptance.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Check the record before you sign.
Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.
Which would you choose?
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