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? 0 out of 0 found this helpful Return to top Related articles What loan products are available through Upgrade? If I’m denied, am I able to re-apply? Does Upgrade offer fixed or variable rates on its loans? Can I include household income on my application? How can I contact Upgrade?