Upgrade offers access to personal loans, the Upgrade Card with a personal credit line, and credit monitoring and educational tools.
Personal loans offered through Upgrade are installment loans that range from $1,000 to $50,000. Actual rate depends on factors in your individual credit profile. Most personal loans are unsecured. In some cases, we may offer you the option of a secured personal loan to help you qualify for a loan, or to provide you a lower rate. Check your rate now to see what personal loan options may be available to you.
The Upgrade Card includes credit lines from $500 to $25,000* and combines the flexibility of a credit card with the predictability of a personal loan. You can use the Upgrade Card to pay online and at retail locations. At your option, you can also have funds sent directly to your bank account, do balance transfers, or use your card for foreign transactions, subject to applicable fees. Upgrade Card balances have a fixed repayment term, so you can circle a date on your calendar when the amount you’ve borrowed will be paid off. Minimum line amounts may vary, depending on your state of residency and your individual credit profile. Get started with the Upgrade Card today.
*Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $50,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement.