Loans obtained through Upgrade have annual percentage rates (APRs) of 5.96%-35.97%. All loans have a 1% to 6% origination fee, which is deducted from the loan proceeds. The APR on your loan may be higher or lower. Your actual rate depends on credit score, credit usage and history, loan term and other factors.
For issued loans, any failed electronic or check payment attempt(s) will be charged a non-refundable fee of $10. Your bank may assess its own fee in addition to the fee we assess. Additionally, you may incur a late fee of up to $10 if your payment is not received in full within 15 calendar days of your payment due date. This charge is assessed once per late payment.