We hope you’ll find the loan process simple, straightforward, and seamless:
- Check Your Rate: Our online application is quick and easy, and viewing your offers does not impact your credit score.
- Choose Your Offer: Choose from amounts you may qualify for between $1,000 and $50,000, and pay it over 36 or 60 months with Annual Percentage Rates (APR) of 5.96%-35.97%; interest rates that will not increase.*
- Fast Funding: Accept your loan offer and once an approval decision has been made, you will receive funds in your bank account within four business days.
Note that during our loan review process, we may request documentation from you in order to verify information, such as your income and identity. Upgrade will keep you updated throughout the application process, but we recommend you check your To-Do List regularly to keep up to date on any document requests. The faster we can verify your information, the faster we can make a credit decision!
* Loans obtained through Upgrade have fixed interest rates. Late payments or subsequent charges and fees may increase the cost of your loan.