The Upgrade Card combines the flexibility of a credit card with the low cost and predictability of a personal loan. 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 can access your line with the Upgrade Card to pay online and at retail locations, or you can have funds sent directly to your bank account.
With a personal loan, all of your funds are sent to your account once you're approved. However, if you need additional money, you’ll need to apply again to borrow additional funds.
Learn more about the Upgrade Card through Upgrade.
*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. Based on the amount you spend, we may ask you to confirm a new line agreement to continue to provide you with additional credit.