Am I required to put up any kind of collateral to obtain a loan through Upgrade? No. Loans obtained through Upgrade are unsecured, so you don’t have to put up any kind of collateral. Just fill out our quick online application to see what you may qualify for! Was this article helpful? 2 out of 3 found this helpful Return to top Related articles If I’m denied, am I able to reapply? What loan products are available through Upgrade? Will checking my loan offer impact my credit score? Where do I locate my 15-digit pre-approval code? How can I contact Upgrade?