Are there any prepayment fees? Loans obtained through Upgrade do not have any prepayment fees, so you can pay your loan off at any time. Start your application today! Was this article helpful? 0 out of 0 found this helpful Return to top Related articles Am I required to pay for anything up front? How much money will I receive in my bank account after the origination fee? Am I able to change my loan term or loan amount without Upgrade canceling my application? How can I reduce the number of unsolicited credit and insurance offers I receive? How can I contact Upgrade?