Upgrade offers access to personal loans, personal credit lines, and credit monitoring and educational tools.
Personal loans offered through Upgrade are unsecured installment loans that range from $1,000 to $50,000. Loans feature annual percentage rates (APRs) of 7.99% to 35.89% and fixed terms of either 36 or 60* months. 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 a lower rate. Check your rate now to see what personal loan you qualify for.
Personal Credit Lines offered through Upgrade are unsecured and range from $500 to $50,000 with fixed terms that vary from 12 to 60** months and APRs of 6.37% to 35.39% depending on factors of your individual credit profile. Get started with a Personal Credit Line today.
Minimum amounts you may borrow vary, depending on your state of residency.
* Loans made through Upgrade feature APRs of 7.99%-35.89%. All loans have a 1.5% to 6% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay. For example, if you receive a $10,000 loan with a 36 month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.
** Credit Lines opened through Upgrade feature APRs of 6.49%-35.89% and line amounts ranging $500 - $50,000. For example, a $10,000 draw with a 36 month draw length and a 16.47% APR has a required monthly payment of $357.10. The APR on your draw 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. Late payments or subsequent charges and fees may increase the cost of your credit line.