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Upgrade Review

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Reviews 12,917

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Michael Dinich
Michael Dinich
May. 04, 20214 min read

Upgrade summary

Upgrade offers personal loans of up to $50,000 for a range of purposes such as paying off credit card debt, financing a home improvement, or making a large purchase. It is quick, easy to use and offers free credit monitoring and financial-education resources that can help you better understand and improve your credit score.

Pros

  • Quick online application -- can get pre-approved in just minutes
  • Credit health tracker makes it easy for you to improve credit

Cons

  • Origination fee can reach up to 6% of loan amount
  • Applicants required to have free cash flow of at least $1,000
Upgrade at a glance
3.8

Editorial score

Variety of loan types

Offers all loan types

5.0

Online experience

Good online resources, but no access to rates

4.0

Customer services and support

Multiple ways of reaching lender but limited hours

3.0

Loan amount range

Loan amount up to $35K

3.0

Repayment flexibility

Loan terms up to 60 months

4.0

Upgrade  Upgrade Visit Upgrade

Overview

Upgrade is an online marketplace lending platform founded in 2016 by Renaud Laplanche and Soul Htite, who were both previously co-founders of Lending Club. Laplanche’s reputation in Silicon Valley was strong enough to attract $60 million in financing for Upgrade from many of the prominent venture capitalists who had backed him with his previous projects. Personal loans through Upgrade offer up to $50,000 for purposes such as paying off credit card debt, financing a home improvement, or making a large purchase. It differentiates itself from the likes of Lending Club through features such as free credit monitoring and financial-education resources.

Upgrade Review

Suitable For?

Upgrade's loans are aimed at tech-savvy Americans who need personal loans to cover large expenses. Its free educational tools, including a credit-health tracker, aim to make it easy for people who have had a loan application rejected to build up their credit score and achieve success with their next application. Upgrade accepts loan applicants from all states except Connecticut, Colorado, Iowa, Massachusetts, Maryland, Vermont, and West Virginia.

Loan Features

You can get fixed-rate personal loans ranging from $1,000 to $50,000, and with repayment of either 3 or 5 years. In addition, through Upgrade you'll get a credit-health tracker free of charge, and without any commitments. Users can access the tool at any time for a summary of their latest credit report and an explanation of the key factors influencing their credit score. The tool also includes a useful credit score simulator, where users can input hypothetical scenarios such as repayments on their credit card balance or an increase on their credit card limit, and find out what the impact of these scenarios will be on their credit score. And users can access the tool as many times as they wish – without their credit score being affected.

The Application Process

The application process takes place online. To begin, just enter the loan amount you wish to apply for, and the purpose of the loan. You will then be taken to another page and asked to fill out a few personal details, including:

  • Name
  • Address
  • Monthly income
  • Social security number

Shortly after completing the form, you’ll receive an email informing you whether or not you’ve been approved for a loan, along with the interest rate. If you are denied, you’ll receive an explanation of why this was the case. If you accept your loan offer, the funds will be sent to your bank account within 1 business day of all the necessary verifications, and will typically be available within 4 business days, depending on how quickly your bank processes the funds. 

As mentioned above, the key requirements are at least $1,000 free cash flow per month, and that the loan be used for specific purposes such as paying off credit card debt. Free cash flow is based on the applicant’s income, the cost of living in their area, city and state tax rates, and any mortgage or rent payments that are part of the applicant’s monthly expenses. 

How Much Can You Borrow?

Applicants can request loans of as low as $1,000 and as high as $50,000. The final loan amount depends on a number of factors, including credit score and free cash flow. A minimum credit score of 620 is required for approval. Only unsecured loans are offered through Upgrade, which means borrowers aren’t required to put up any collateral.

Repayment Term

Loans have APRs ranging from 5.94% - 35.97%*. For the lowest rates, applicants must agree to automatic monthly repayments. All loans have an origination fee of 1.5-6%, which is deducted from the loan amount at the beginning. Applicants can choose from repayment terms of either 3 years (36 months) or 5 years (60 months). Monthly repayments depend on APR, origination fee, and loan duration. For example, if you receive a $10,000 loan with a 36 month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your bank account and would have a required monthly payment of $343.33. Late payments can result in late fees.

Privacy & Security 

All loans are made by WebBank, an accredited member of the Federal Deposit Insurance. Corporation, which is a US government corporation providing deposit insurance to depositors in US banks. Upgrade promises to protect all applicants’ personal information from unauthorized access and use, and its security measures comply with federal law.

Help & Support

Upgrade has an A rating from the Better Business Bureau for its customer support, with BBB rewarding it for positive online reviews. Upgrade’s website stands out for its educational resources, with dozens of informational pages and of course the free credit-tracking tool. Customer support can be reached by email at contact@upgrade.com, or through the Support button which can be found at the bottom-right of each page on the website.

Summary

Upgrade was founded by two of the people behind Lending Club, one of the pioneers in the world of online lending, and it is aiming to fill some of the remaining gaps not covered by most of the existing players in the market, including a lack of support for rejected loan applicants. The main point of difference between Upgrade and many of its competitors is its free tracking tool and simulator, which allows borrowers to understand and improve their credit score in order to secure better terms on their next loan. Upgrade’s service is quick, easy to use, and transparent. The service is most beneficial for borrowers with credit scores hovering around 620 and with a preference for doing things online and without delays.

Physical Address

Upgrade, Inc

275 Battery Street, 23rd Floor

San Francisco, CA 94111

Upgrade  Upgrade Visit Upgrade

Disclaimers

Personal loans made through Upgrade feature APRs of 5.94% - 35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at https://www.upgrade.com/lending-partners. 

Michael Dinich
Written byMichael Dinich

Michael has worked in personal finance since 1999. He shares unique insights on how to save money, increase income and prepare for retirement. Michael is a sought-after expert in the areas of taxation, personal finance, and health insurance planning. He writes for BestMoney and enjoys helping readers make sense of the options on the market.

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Trustpilot reviews

See what some costumers are saying about Upgrade
Upgrade
ExcellentReviews 12,917
on
Excellent
82%
Great
12%
Average
2%
Poor
1%
Bad
3%
  • author
    Francisco Diaz
    3 hours ago
    everything good the best of vegas

    everything good the best of vegas

    ...

  • author
    Sharieff Shahid
    2 hours ago
    It was very pleasant to become a new…

    It was very pleasant to become a new customer with this banking institution.

    ...

  • author
    IMONICA J.
    2 hours ago
    Efficient and Transparent Process

    Process was easy and clear. All information given was transparent with no hidden fees or surprises. Overall, great experience!

    ...

  • author
    J. Kassinger
    3 hours ago
    Easy process to get a loan

    Easy process to get a loan. Had the deposit made to my account in the time they said it would arrive.

    ...

  • author
    Johnny Pitts
    4 hours ago
    My experience with upgrade was great…

    My experience with upgrade was great and customer service was awesome they handled everything for me in a timely fashion and I am so grateful .

    ...

  • author
    SAN SMITH
    5 hours ago
    only complaint is when you call they…

    only complaint is when you call they put you in hold for a long time but other that the service Great.

    ...

  • author
    William Baker
    7 hours ago
    Great Option!

    Great Rate,Very easy to use and was Very helpful for my financial situation and helping improve it.

    ...

  • author
    Tony B.
    7 hours ago
    One of best experiences with getting a lone

    One of best experiences with getting a line I’ve ever had. The process and approval were quick and easy. The money was in my account the next day

    ...

  • author
    Cade Hammond
    8 hours ago
    Easy application, terrible support

    The application process was not bad but I've tried to contact support by phone and email with no luck so far. Once I waited on hold for an hour before giving up, now I just hang up when I hear the wait time is over 30 min.

    ...

  • author
    Albert Barnes
    9 hours ago
    After working with me for months.And…

    After working with me for months.And giving periodic credit updates.And also showed examples how raise scores.Upgrade I would recommend to anyone.

    ...

  • author
    Rebecca
    9 hours ago
    The approval process took a lot longer…

    The approval process took a lot longer than I expected. They also needed a lot more information than what I would expect a credit card, installment loan type company to need. Tax transcripts etc...With all that said once I was actually approved and requested an advance the money was deposited quickly and I can see when my first payment is. The wait time when calling is long however someone who is american answers the phones so I can appreciate a longer wait to speak with someone I can understand and who can understand me. Overall I think the process was extensive but I would recommend UPgrade to other people

    ...

  • author
    James
    10 hours ago
    Easy to apply, easy to approve, easy to pay.

    The process of getting a loan was easy, and the payments are far better than a typical payday lender. These guys will be my first choice for quick loans for unexpected circumstances.

    ...

  • author
    Patrick McMillian
    10 hours ago
    I am glad I received my loan

    I am glad I received my loan. My only complaint is that I had to constantly keep giving more and more information instead of simply doing it all at once. Other than that, the personnel I spoke with were all professional and courteous.

    ...

  • author
    LINDA HIGH
    10 hours ago
    This card was very quick and easy to…

    This card was very quick and easy to apply for and get a fast response, I have only used it once, but I think I will really like it

    ...

  • author
    erica lee
    10 hours ago
    Excellent service and quick response…

    Excellent service and quick response time

    ...

  • author
    J. M.
    10 hours ago
    The process is simpke. High interest but justified.

    The process is simple. Sure the interest is rather high, but the money was there when I needed it most.

    ...

  • author
    Courtney
    11 hours ago
    They got me my funds within in a week…

    They got me my funds within in a week for a really low interest rate. I had a personal loan through one main financial with a 24% interest rate and I was able to refinance with upgrade for 8%. HUGE SAVINGS.

    ...

  • author
    Eunyoung Kim
    11 hours ago
    This is so easy work you guys try too…

    This is so easy work you guys try too and get a good

    ...

  • author
    Sabrina Shinkle
    11 hours ago
    The company is very good at what they…

    The company is very good at what they do. They helped me with what I was looking for and it's a joy to work with them

    ...

  • author
    ANTHONY LANG
    11 hours ago
    Process was simple and concise

    Process was simple and concise. Help was always available, and the speed was very quick for approval.

    ...

  • author
    Neal Pleasant
    11 hours ago
    I have never had such a pleasurable experience i n dealing with a credit agency

    I have never had such a pleasurable experience in dealing

    ...

  • author
    Bibiana Gonzalez Nevarez
    11 hours ago
    It was an easy process

    It was an easy process. No jumping through hoops just straightforward.

    ...

  • author
    Charles Funkhouser
    11 hours ago
    So far so good.

    So far so good.

    ...

  • author
    Edwin DeJesus
    11 hours ago
    The process was easy and quick

    The process was easy and quick . I’m Pleased with the outcome and will definitely recommend it to friends and family

    ...

  • author
    customer
    11 hours ago
    Very helpful

    Very helpful. Easy process.

    ...

  • author
    trevor french
    11 hours ago
    Upgrade gave me the opportunity to…

    Upgrade gave me the opportunity to build my credit qhen most places wouldnt. It was quick and easy to apply and they got back with me very quickly on the loan approval thank you upgrade. Keep up the great work!

    ...

  • author
    Barbara
    11 hours ago
    I don't like that you take 300.00 off…

    I don't like that you take 300.00 off the top of the loan . This did not cover all my bills and now I have a 300.00 three hundred to a bill. Plus pay you back. Urg. Why can't it be added to the loan ??. My husband was approved for way more than I did. And we make the same amount of money 💰. Crazy. I got higher percentage? I have better credit then he did? . Oh well I accepted the terms. Thank you

    ...

  • author
    Dwayne Gilman
    11 hours ago
    Wonderful service!

    Awesome experience! Helped me pay off several credit cards that were dragging me down.

    ...

  • author
    Unhappy experience
    11 hours ago
    I tried to cancel my loan right after I…

    I tried to cancel my loan right after I applied, because it was the wrong amount. I couldn't get through to anyone, except by email. The loan went through anyway and wasn't canceled. Bad customer service.

    ...

  • author
    Kathy Hammond
    12 hours ago
    I am appreciative for the loan that i…

    I am appreciative for the loan that i was approved for. The services were great.

    ...

  • author
    Ana
    12 hours ago
    Very happy with the customer service…

    Very happy with the customer service and that I got the loan quickly

    ...

  • author
    Julie Glanz
    12 hours ago
    The quick service has been wonderful…

    The quick service has been wonderful and helped me when I needed it most.

    ...

  • author
    Lisa Head
    12 hours ago
    Application process was extremely easy

    Application process was extremely easy. Very quick funding and helpful for my situation. Good company to work with!

    ...

  • author
    Jerry C
    12 hours ago
    They helped us out in a time of need in…

    They helped us out in a time of need in a big way. Process was easy and quick. Once you understand that this is a line of credit and your payments will fluctuate as you use your line of credit, you will appreciate this card more and how you decide to make purchase decisions. The flexibility to either charge or withdraw cash without huge cash fees is also a big plus. Each charge is broken down into its own payment plan so you will know how quickly you can pay the balance per each charge/withdrawals. Thank you upgrade for helping us on our journey to building better credit.

    ...

  • author
    Patricia Boland
    12 hours ago
    awesome service

    awesome service, quick and efficient.

    ...

  • author
    Joe
    12 hours ago
    Disappointed Joe

    I received an email saying I needed to contact them with 48 or my pre-approval would be cancelled. There is no email or tel number for service or help on their website. Also, they place you on hold “so they can review” on average of 3 or 4 times. Each time they place you on hold, it takes 5-7 minutes. Very disappointed.

    ...

  • author
    tiffany McCluskey
    12 hours ago
    Lack of customer service after hearing…

    Lack of customer service after hearing nothing fir 3 weeks and getting another loan i got sn email saying i was approved. Called and was told no money would be sent but it was. No fighting to not have to pay interest or other fees. Hold tines of over 40 minutes lack of response

    ...

  • author
    Brian Schock
    13 hours ago
    Very easy to apply and be approved

    Very easy to apply and be approved! Interest rate a bit high but in a pinch ya deal with it!

    ...

  • author
    Shirley Anne Goldinger-Ortiz
    16 hours ago
    Thank you note

    This was the best, easiest loan application and approval process. All went through in a very timely manner. I appreciate your assistance and help and will recommend your services to others.

    ...

  • author
    Sharon Young
    16 hours ago
    I'm happy to have received a loan that…

    I'm happy to have received a loan that is put into your bank account. Filling out the application and sending required documentation is easy. My only reason for not giving 5 stars is that getting in contact with someone is long and sometimes difficult.

    ...

  • author
    Brittany Allsup Barrera
    16 hours ago
    DO NOT USE THIS COMPANY!!

    I completed an application with this company, which come to find out would be the most easiest part of the process. After a month of being asked for more documentation, most that had already been provided once or twice already, I grew overly frustrated and called to cancel my application because I was able to obtain a loan with another company that was easier to work with and competent. Come to find out, 3 weeks after I cancelled the application, the funds were transferred to my account. The process now to give the funds back is proving to be just as difficult and trying the obtain them in the first place. Any time you call the customer service line, expect to wait hours to even speak to a live person, and when do you get one they don't have a clue about what's going on. This is hands down, one of the WORST companies I have worked with in my life. I would highly recommend taking your business elsewhere!

    ...

  • author
    LouM
    17 hours ago
    Great experience

    Great experience. Was preapproved with credit karma and when I filled everything out I was fully approved in a matter of minutes. I applied on a friday and funds were in my account by tuesday.Once paid off if the need arises I will definitely use again.

    ...

  • author
    harold upton
    17 hours ago
    quick and easy

    quick and easy. Thanks

    ...

  • author
    Brian Scott-Whittaker
    18 hours ago
    fast professional service ,very easy…

    fast professional service ,very easy application and approval process

    ...

  • author
    Sonny
    18 hours ago
    What a joke

    What a joke. Said you’d receive funds within 7 days of applying. It was more like 3-4 weeks. I called to check status after 7 days. Said they needed additional documents. Ok, no problem. I submitted them and was assured the money would appear in my account within 3-5 business days. Another 7 days go by and I don’t hear anything. Call back, and they say they’re missing another document, yet no one reached out to me to request it. I submit that doc and am once again assured it will be 3-5 business days. Another 5 days go by and i still don’t hear anything. So I call and they say they’re just waiting on me to answer some questions. 1. What was the loan amount you wanted? 2. What interest rate? 3. What repayment terms? Are you kidding me!!?? You’re waiting on me to answer these questions? This was all specified in the loan application? Why would you be asking me this 3 weeks after I applied? At this point I’d been told multiple times that the money would he deposited in my account within 3-5 business days. Yet you’re still waiting on me to verify how much I want? And why would no one call me to ask these questions. It took me calling them 3 weeks after applying. This company is a fu**ing joke. I ended up getting a loan elsewhere because I couldn’t wait. Then the money was finally deposited in my account on the fourth week. So now I have two loans. Awesome. Thanks upgrade

    ...

  • author
    Patricia Dec
    18 hours ago
    Applied for my second Upgrade loan with…

    Applied for my second Upgrade loan with all the required documents, it took a little while for the review but was approved and the funds where applied to the accounts that I had listed in a timely fashion. I would recommend Upgrade to my friends and family. Very pleased with the process and the outcome.

    ...

  • author
    Neishia Hodge
    19 hours ago
    I had a very simple and fast…

    I had a very simple and fast experience.. immediate approval and funds were available very fast

    ...

  • author
    Kelly
    19 hours ago
    The entire process was simple and easy…

    The entire process was simple and easy to follow, with up front interest rates, payments and terms.

    ...

  • author
    David Cole
    20 hours ago
    Upgrade has been absolutly excellent in…Excellent

    Upgrade has been absolutly excellent in every way. Very glad to have gotten a personal loan with Upgrade. Low rate, low application cost...very happy with everything.

    ...

  • author
    Amos Allgyer
    20 hours ago
    Easy to apply

    Easy to apply. Easy approval. Very manageable payments. I got a consolidation loan and it worked out great. Thanks Upgrade.

    ...

  • author
    V Miller
    20 hours ago
    I would give 5 stars-but I did not…

    I would give 5 stars-but I did not receive confirmation on the pay-off of a loan I have.

    ...

  • author
    Harlan Wilson
    21 hours ago
    Happy with my experience!

    Happy with my experience!! Fast easy!!

    ...

  • author
    william
    a day ago
    Thank you guys

    Thank you guys. it was well worth the time. although I am not very good with the computer part. ( that was most of it) i was able to talk to a agent named Case who was very helpful. He help me with sending thing that needed to be sent and i had no idea on how to do things like that. (i am very old school!) Everything worked out well and i would use them over and over again!

    ...

  • author
    Victoria Worsham
    a day ago
    EASY LOAN WITH DECENT RATES.

    EASY LOAN WITH DECENT RATES.

    ...

  • author
    Laura C
    a day ago
    Very easy to apply

    Very easy to apply, got my money within 3 days.

    ...

  • author
    JOY MARTIN
    a day ago
    Upgrade was great to work with

    Upgrade was great to work with. We talked to two different employees regarding information that was needed, they were very pleasant and helpful. Once we were approved our money was in our account the next day.

    ...

  • author
    John
    a day ago
    I searched the world over and thought I…

    I searched the world over and thought I found true value but all I found was another pitch to sell me another card.. I appreciated the approach that I got from upgrade..They were honest with my situation they provided me with my funds that I needed and I did with them exactly what we had agreed on. I now have just 2 payments and I am well on my way to financial freedom. Thank you upgrade.

    ...

  • author
    Signe
    a day ago
    Happy I decided to!!!

    So I filled out my application and realized that I could combine several of my debts into one while still getting extra cash out for myself and my needs .....all while paying almost the same amount as what I was paying on my other separate credit card bills. I was a little nervous at first because I didn’t hear back right away and I made a few phone calls and I had some wait time but overall I’m pleased! Thank you so much .... I feel like can take a breath ! 😀

    ...

  • author
    Mabel Smith
    a day ago
    Assistance for Roof

    Applied for and received a loan in a timely manner. Was able to apply to money needed for purchasing of a new roof. Agent was professional, polite and very helpful.

    ...

  • author
    Carrie Lovelady
    a day ago
    Easy process

    Easy process. Had my money quickly. Great for helping your credit score.

    ...

  • author
    Rosetta
    a day ago
    Very professional and experience with…

    Very professional and experience with their customers

    ...

  • author
    carl mcmurry
    a day ago
    great services

    great services

    ...

  • author
    Diana Price
    a day ago
    I appreciate all the help i got from my…

    I appreciate all the help i got from my loan officer Jessica Suarez who was very helpful with needed information that ended up benefiting both of us. My issue was some negative marks on my report that affected my loan rate. She was able to guide me to royal financial rescue where i got my credit issue fix. My rate was eventually a highly competitive one.

    ...

  • author
    Jonathon
    a day ago
    Applying for the loan was quick...

    Applying for the loan was quick and easy. The customer service was terrific, professional, and fast. I'm going to remember them if I need another loan.

    ...

  • author
    Sharon
    a day ago
    The process was quick and seamless

    The process was quick and seamless

    ...

  • author
    KENNETH CLINARD
    a day ago
    The process was straight forward and…

    The process was straight forward and easy

    ...

  • author
    Tammy B
    a day ago
    Quick and Easy

    The whole process from start to finish was quick and easy. Upgrade offered the best interest rates compared to several other companies.

    ...

  • author
    Kwame
    a day ago
    Quick decision and the money waz in my…

    Quick decision and the money waz in my account. Very satisfied with the service

    ...

  • author
    Peter Frost
    a day ago
    Very fast approval and deposit

    Very fast approval and deposit. Appreciate the interest rate and terms. Great business to deal with. Thank you

    ...

  • author
    Megan Savage
    a day ago
    Great friendly customer service

    Great friendly customer service. Very responsive and helpful. Awesome help in my time of need.

    ...

  • author
    Antonio Baker
    a day ago
    Everything was perfect no issues…

    Everything was perfect no issues painless process keep up the good work!

    ...

  • author
    Adam Vara
    a day ago
    Awesome

    Awesome! And so easy to apply!

    ...

  • author
    JP
    a day ago
    So far!

    So far, this company has been excellent. The application was easy, their communication was timely and we could bank on the funds being there when they said they would be. The reason for the four star and not the five is because we have just started with them. I am hoping that they will give us the chance to do future reviews. But, so far it has been a very pleasant experience. Thank you Upgrade!

    ...

  • author
    charles klostermann
    a day ago
    deceptive stay away !!!

    they will lie about pre approval require you to jump threw many hoops they are rude and unprofessional 4 hours on the phone today alone they will deny income with no explanation as simple math is not a skillset of their employees currently seeking legal recourse for their unfair and deceptive practices

    ...

  • author
    Wendy
    a day ago
    Great place

    Everything and everyone was great from start to finish

    ...

  • author
    Olivia Domingues
    a day ago
    My husband got an offer by mail and…

    My husband got an offer by mail and apply he turned in everything two weeks ago call them and they answer after an hour saying they don't have Spanish which is fine I can help the lady was really helpful and walk us throughout the process then she said they only have to review it and they will let him know by mail which they send an email saying he has to contact them by phone which we did after an hour they answer I explained the situation to her about the language which her respond was they if he does not speak English he cannot procced they could it say that in the first place before make him send all the info and everything so unprofessional and waste of time oh and so so racist

    ...

  • author
    Wilber Hawkins
    a day ago
    They are very quick in processing…

    They are very quick in processing application to customers, and money being put into your account. Great worker

    ...

  • author
    Steven Black
    a day ago
    Received a personal loan with ease

    Received a personal loan with ease. Also have a credit card with a generous limit. Easy company to work with.

    ...

  • author
    John Walsh
    a day ago
    Simple to apply

    Got a recommendation from Credit Karma. Applied and was approved.

    ...

  • author
    Brent Sponseller
    a day ago
    Straightforward & easy

    Everything was straightforward and directions were easy to follow. I was impressed at how easy the process was, and was pleasantly surprised at how fast the approval was.

    ...

  • author
    Darrell Stewart
    a day ago
    The loan process and disbursement of…

    The loan process and disbursement of funds was quick and easy. The customer contact was excellent.

    ...

  • author
    Robert M
    a day ago
    I don't want to say anything

    I don't want to say anything. I just want to pay off my loan and be done with it. Don't want any contact from Upgrade except for the email they send me each month reminding me to have my money on hand so they can take it

    ...

  • author
    Brad
    a day ago
    Me and my wife was looking into a debt…

    Me and my wife was looking into a debt consolidation loan because of hours reduced at work due to covid 19, our loan process was quick and easy and we was able to let them pay off our cards directly, it dropped our monthly payments by a 1000.00 thanks you

    ...

  • author
    Rashaid Hamed
    a day ago
    Best quick loan company ever!!

    Best, fastest, easiest way to borrow money!!! Very pleased all the way around!!!

    ...

  • author
    Mikhail Nikov
    a day ago
    The most simplest process I have ever…

    The most simplest process I have ever went through in getting a loan. Amazing service and super speedy transaction. Please continue being so awesome!

    ...

  • author
    Frann Monk
    a day ago
    THIS COMPANY IS ABSOLUTELY AMAZING

    THIS COMPANY IS ABSOLUTELY AMAZING. I AM SO THANKFUL FOR WHAT UPGRADE HAS DONE FOR ME SO FAR!!! I CANT WAIT TO SEE WHAT THE FUTURE HOLDS FOR OUR RELATIONSHIP. TOP NOTCH IS ALL I CAN SAY!

    ...

  • author
    David Laprairie
    a day ago
    I recently signed up for another loan…

    I recently signed up for another loan to pay off a loan with a higher balance. Your site said the creditor would be paid within 4 business days and they have yet to receive the funds, though the money you made me put in my bank account hit within 2 days of approval. I’m not understanding why you have on your site all creditors will be paid within 4 business days and today is business day 6. If your not going to do what you say within the time limit you say your going to do it in, then either change your statement or don’t make any promise your not going to keep. Like false advertising. People just want you to to be fair with them. You made it sound good, and then your unable to deliver. And the only ones who feel your lack of respect for the customer is the customer not you. The company should not set a payment date until all funds are distributed and received by the customers bank and creditors…

    ...

  • author
    Carol
    2 days ago
    Great Company!

    Easy application process, fast funding and reasonable rates. Great company to do business with!

    ...

  • author
    DENZEL EPPS
    2 days ago
    Super easy approve same day

    Super easy approve same day. Help me clear all my credit card debt. Put it all in one payment so happy I found this help me setup my future just right!!!

    ...

  • author
    Anonymous
    2 days ago
    Upgrade was there when I needed them…

    Upgrade was there when I needed them they were helpful courteous and I would recommend them to anyone

    ...

  • author
    MICHAEL
    2 days ago
    Excellent customer service

    Excellent customer service. Fast response time. Easy to communicate and work with. Very pleased with the rates and terms.

    ...

  • author
    Cris
    2 days ago
    I would recommend them every time

    I would recommend them every time. Seriously the easiest, and smoothest transaction for getting a personal loan. I will only get my personal loans from upgrade from now on!! Thanks for taking care of me!

    ...

  • author
    Larry Clarke
    2 days ago
    Very quickly in processing application

    Very quickly in processing application

    ...

  • author
    Linda Coleman
    2 days ago
    This is the best experience I have had…

    This is the best experience I have had with a loan company. Everything went so smooth.

    ...

  • author
    Nicole J
    2 days ago
    So easy to work with

    So easy to work with

    ...

  • author
    Kansley
    2 days ago
    I took away one star only because I was…

    I took away one star only because I was told that I wouldn’t have to make a June payment. First payment should’ve been in July. Loan was a smooth process and payment was made promptly.

    ...

  • author
    Dawn
    2 days ago
    New customer

    Very user friendly! Fast response and so far app is great too!

    ...

  • author
    Darlene Ball
    2 days ago
    This is a new account I haven’t used

    This is a new account I haven’t used yet so I do t really have a review to give yet

    ...

  • author
    Todd Ponaman
    2 days ago
    There is nothing more humiliating than…

    There is nothing more humiliating than taking prospective clients, friends and/or family to dinner, only to be declined on a <$100 charge, when the card has a ZERO balance and open line of credit. Especially, since I pay all charges as they arrive. Multiple payments/month. 0 monthly balance. DECLINED. DAMAGE: A LOST CLIENT, humiliated in front of colleagues. LEVEL OF COMPETENCY AND CLIENT SERVICE: -0-. NON EXISTENT. CUSTOMER SERVICE HOURS. CLOSED ON SUNDAYS. Plan on using the UPGRADE VISA CARD? BEST BRING A BACKUP.

    ...

  • author
    Liz
    2 days ago
    Thumbs up!

    Thumbs up for Upgrade. Received the loan/credit line on time as they promised. It’s just straightforward i believe, nothing hidden.

    ...

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