Upgrade is an online lending platform that combines access to affordable credit products with free credit monitoring and education. Upgrade is not a bank. We partner with banks and other financial institutions to originate loans obtained through Upgrade.
Cross River Bank, a New Jersey state-chartered commercial bank, Member FDIC, originates personal loans and personal credit lines.
Pentagon Federal Credit Union (PenFed), a federally-chartered credit union and federally insured by the National Credit Union Administration, originates personal loans.
Blue Ridge Bank, a nationally-chartered commercial bank, Member FDIC, originates personal loans.
Sutton Bank, Member FDIC, issues the Upgrade Card, which allows access to the personal credit line.
WebBank, Member FDIC, originated personal loans obtained through Upgrade from 2017 through January 2020.