With a personal credit line through Upgrade, you have access to funds up to the full amount of your credit line*, and you only pay interest on the amount you choose to borrow. You get the flexibility, convenience, and control of accessing your credit line any time you want to use money from it. With a personal loan, all of your funds are sent to your account once you're approved and if you need additional money you need to apply again to borrow additional funds.
Learn more about the personal credit line.
*If there are changes to your credit score, other risk factors, or market conditions the availability of your credit, the interest rate, or the length of your credit offered may be adjusted for future draws. The loan length of your existing balances will never change.