Yes, you can revoke Uprova's authorization to debit your account
You have the right to stop Uprova from taking money directly from your checking account at any time. This is called revoking authorization, and it works the same way whether you set up the debit arrangement when you took out the loan or added it later. The catch is that revoking the authorization does not erase what you owe — Uprova will still expect payment, and your loan terms do not change.
The method you use depends on whether you want to stop one specific payment or cancel the entire authorization. Both are possible, but they have different consequences for your loan status and what Uprova does next.
Key Takeaways
- You can revoke Uprova's debit authorization through your bank, through Uprova directly, or through a written request under the Electronic Funds Transfer Act.
- Stopping one payment is different from canceling the entire authorization — one pauses a single debit, the other removes Uprova's access permanently.
- Revoking authorization does not forgive the debt or change your loan terms; Uprova will pursue payment through other means if the debit fails.
- Your bank can stop a debit within one business day if you call before the payment processes, but written revocation takes longer and is harder to dispute later.
- If Uprova attempts to debit after you revoke authorization, you can dispute the charge as unauthorized and your bank must investigate within 10 business days.
Stopping a single payment through your bank
The fastest way to block one Uprova debit is to call your bank directly and ask them to stop the payment before it clears. This is called a stop payment order, and most banks can do it over the phone in minutes. You will need to tell the bank the exact amount, the date the payment is scheduled, and Uprova's name. If you call before the debit processes — usually before 2 p.m. on the day it is scheduled — your bank can often stop it same-day.
Your bank may charge a fee for a stop payment order, typically $25 to $35. Some banks waive the fee if you are a long-standing customer or if you dispute the charge as unauthorized. Ask before you request the stop. A stop payment order lasts only for that one debit; Uprova can still attempt to withdraw money on future scheduled dates unless you revoke the entire authorization.
Revoking the entire authorization with Uprova
To remove Uprova's access to your account permanently, contact Uprova directly and tell them you want to revoke the authorization. You can do this by phone, through your Uprova account online, or by sending a written request. Uprova's customer service line is available during business hours, and they can process the revocation immediately, though it may take one to three business days for the change to show up in their system.
When you revoke authorization with Uprova, ask them in writing (email counts) to confirm the revocation and provide a reference number. Keep this confirmation. Uprova will stop attempting automatic debits, but they will contact you about how you plan to pay the loan going forward. If you do not arrange another payment method, Uprova may report the missed payment to credit bureaus or pursue collection action.
Revoking authorization through your bank under federal law
You also have the right to revoke Uprova's authorization directly through your bank under the Electronic Funds Transfer Act. This is a federal law that gives you control over automatic debits from your account. To do this, write a letter to your bank stating that you want to revoke authorization for Uprova to debit your account. Include your account number, the name of the company (Uprova), and the date you want the revocation to take effect.
Send the letter to your bank's customer service address or the address listed on your bank statement. Keep a copy for your records. Your bank must honor the revocation within one business day of receiving it, though they may ask you to submit the request in writing if you called first. Once revoked this way, Uprova cannot attempt any more debits without your permission. This method creates a paper trail and is harder for Uprova to dispute later if they claim they never received notice.
What happens to your loan if you revoke authorization
Revoking Uprova's debit authorization does not change the amount you owe or the terms of your loan. You still have to pay back the full balance, and interest continues to accrue. Uprova will contact you by phone, email, or mail to ask how you plan to make payments. You can arrange a new payment method — a different bank account, a credit card, a check, or a money order — or you can ask about a payment plan.
If you do not arrange another payment method and miss a payment, Uprova can report the delinquency to credit bureaus, charge late fees, or refer your account to a collection agency. Some lenders also have the right to pursue legal action, though this is less common for personal loans under a certain amount. The key is to contact Uprova proactively and work out a new arrangement rather than letting payments lapse.
If Uprova tries to debit after you revoke authorization
If Uprova attempts to withdraw money from your account after you have revoked authorization, you can dispute the charge as unauthorized. Contact your bank immediately and tell them the debit was not authorized. Your bank must investigate the dispute within 10 business days and either reverse the charge or explain why it was valid. During the investigation, the bank will typically credit your account temporarily so you have access to the money.
Keep copies of your revocation request, any confirmation from Uprova or your bank, and the unauthorized debit itself. If Uprova continues to attempt debits after you have revoked authorization in writing, you may have grounds to file a complaint with the Consumer Financial Protection Bureau or your state's attorney general. Document each attempt with dates and amounts.
Alternatives if you want to keep the loan but change payment methods
If you want to keep your Uprova loan but simply do not want automatic debits, you have options. You can ask Uprova to switch to a different payment method — some lenders accept credit card payments, bank transfers initiated by you (rather than automatic debits), checks, or money orders. You can also ask about a manual payment plan where you pay on a schedule you set, rather than an automatic debit.
Some borrowers revoke authorization because the debit date does not align with their payday. In that case, contact Uprova and ask if they can change the debit date to match when you receive income. Many lenders will adjust the date without requiring you to revoke and re-authorize. This keeps the convenience of automatic payment without the cash flow problem.
Frequently Asked Questions
How long does it take for a revocation to take effect?
If you revoke through Uprova directly, it usually takes one to three business days. If you revoke through your bank in writing, your bank must stop honoring the authorization within one business day. If you call your bank to stop a single payment, it can happen same-day if you call before the debit processes.
Will revoking authorization hurt my credit score?
Revoking authorization itself does not hurt your credit. However, if you revoke authorization and then miss payments because you do not arrange another payment method, those missed payments will be reported to credit bureaus and will damage your score. The key is to set up a new payment method before the next payment is due.
Can Uprova refuse to accept my revocation?
No. Under federal law, you have the right to revoke authorization for any automatic debit. Uprova cannot refuse or penalize you for revoking. However, they can require you to pay through another method and can pursue collection if you do not pay.
What if I revoke authorization but forget to set up a new payment method?
Contact Uprova immediately and ask about payment options. If you miss a payment, Uprova will likely charge a late fee and may report the delinquency to credit bureaus. The sooner you arrange a new method, the less damage to your account. If you are having trouble paying, ask Uprova about a hardship plan or deferment.
Do I need to revoke authorization in writing, or can I just call?
Calling works and is faster, but a written revocation creates a record that is harder to dispute later. If you call, follow up with an email or letter confirming what you said. This protects you if Uprova claims they never received notice and attempts another debit.