What rates are available on personal loans through Upgrade? Personal loans obtained through Upgrade have annual percentage rates (APRs) of 7.99% to 35.89%. Your actual rate depends on credit score, credit usage and history, loan term and other factors. Why wait? Check your rate for a personal loan, today! Was this article helpful? 2 out of 2 found this helpful Return to top Related articles What are the benefits of a personal loan through Upgrade? If I’m denied, am I able to re-apply? What is a Personal Credit Line? Are there any prepayment fees? Where do I locate my 15-digit pre-approval code?