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Upgrade Personal Loans

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Upgrade makes applying and getting an affordable personal loan fast and simple. Check your rate today for a loan up to $50,000 with no impact to your credit score.

Upgrade makes applying and getting an affordable personal loan fast and simple. Check your rate today with no impact to your credit score.

Loan Amounts


Repayment Terms

36-60 Months



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Product Name

Upgrade Personal Loans

Loan Amounts

Get between $1,000 and $50,000 with a personal loan

Repayment Terms

Pay back your loan between 36 and 60 months

Upgrade is an online personal loan provider, so everything you do with the company can be from the comfort of your own home. After you sign up for the company, enter your loan amount and purpose, and Upgrade will run a preliminary credit check that will not affect your credit score. Before you even start the loan process, you will have an idea of what your interest rates and monthly repayment terms will look like.

Upgrade Personal Loan Review

Upgrade focuses on helping customers build a better financial future. Upgrade specializes in offering low interests that are fixed for the life of the loan, and there is no prepayment fee. When you decide to work with a loan provider, you should always look for upfront and transparent pricing and payment terms. Upgrade is a free service that can help you get the personal loan you need to improve your family’s life, including:

  • Debt Consolidation
  • Home Improvements
  • Refinance Credit Cards
  • A Major Purchase

What makes them a great financial partner for your future? We believe it is their upfront pricing and transparent rates that make this company a good choice when you need a personal loan. Depending on your credit score, Upgrade offers loan rates with APRs between 6.98%-35.89%.

You may qualify for even lower interest rates when you sign up for loan Autopay and when you choose to pay off some portion of your existing debt. Other factors also affect your loan repayment costs, such as how long you choose for repayment and whether you make timely payments every month. And if you choose to repay the loan before schedule, there is no penalty, and it could save you money when you do.

Once your credit scores have qualified you for an Upgrade personal loan, they will let you know what your interest rate will be based on your credit history and credit scores. You will have the option to pay back the loan over 36 or 60 months. After you accept your personal loan, there is a loan origination fee of 1.5% to 6%, which is deducted from the loan distribution. After all the necessary verifications are complete, Upgrade will have your loan amount deposited into your bank account within 24 hours

How Do You Qualify for a Loan with Upgrade?

To qualify for an Upgrade personal loan, you will start right on their easy-to-navigate website. Once you start the process, you are under no obligation to accept the personal loan after you qualify. You start by filling in a simple form that includes your basic information. Upgrade will then run a soft credit check that will not affect your credit score.

Upgrade offers loans that range between $1,000 to $50,000. Some states have a minimum loan requirement, like Georgia ($3,005 minimum) and Massachusetts ($6,400 minimum). States where Upgrade loans are not available for residents include Colorado, Iowa, Maryland, Vermont, and West Virginia. To qualify for an Upgrade personal loan, you need a credit score of only 620.

How to Get Started with an Upgrade Personal Loan

Upgrade makes getting a personal loan online easy and secure. There are 4 steps you need to follow:

  1. Visit Upgrade’s website
  2. Fill out a one page application
  3. Get your rates and choose your offer
  4. Accept your loan and receive the money by direct deposit into your bank account.

If you need any help with your application or you have questions about the loan process, Upgrade provides an easy to find help box where you can contact their staff for a fast response.

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