Overview

Take a Step Towards Your Goals with a Personal Loan

Refinance Credit Cards

Eliminate high-interest credit card debt and get a clear payoff date that you can circle on your calendar.

Debt Consolidation

Streamline your credit and loan payments into a single monthly payment that’s easy to manage and pay off.

Home Improvement

Get the funds you need to remodel, repair, or build the home you want without the hassle of refinancing or taking out a home equity loan.

Major Purchase

Cover that unexpected expense or plan for your next big purchase with a fixed-rate personal loan instead of a high-interest credit card.

Highlights

Quick and Easy Process

Check Your Rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.

Choose Your Loan*

Review multiple loan options and decide which offer is best to help you achieve your financial goals.

Get Your Funds Quickly†

Accept an offer and we’ll send your money to your bank account within a day of clearing necessary verifications.

†Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Specifications

Disclosures

*Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.96%-35.97%. All personal loans have a 1.85% to 8.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% 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 $341.48. Over the life of the loan, your payments would total $12,293.46. 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 bank partners. Information on Upgrade’s bank partners can be found at https://www.upgrade.com/bank-partners