There is no fee to open the line, no annual fee, no fee to make a draw, and no prepayment fee.
If your payment is not received in full within fifteen calendar days of your payment due date, Upgrade will charge a $10 non-refundable late fee. This fee is assessed only once per late payment.
Payments are applied proportionally to your outstanding draw balances. Payments or prepayments may not be allocated to a specific draw.
Learn more about the Personal Credit Line through Upgrade.