What rates does Upgrade offer on its loans? Loans obtained through Upgrade have annual percentage rates (APRs) of 6.87%-35.97%. Your actual rate depends on credit score, credit usage and history, loan term and other factors. Why wait? Build the future YOU want, today! Was this article helpful? 0 out of 0 found this helpful Return to top Related articles Am I able to choose a different loan term? What are the different loan amounts offered by Upgrade? If I’m denied, am I able to re-apply? What are the benefits of a personal loan through Upgrade? Where do I locate my 15-digit pre-approval code?