What rates does Upgrade offer on its personal loans? Loans obtained through Upgrade have annual percentage rates (APRs) of 6.99% to 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? 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?