Application Process
- No application fees or upfront fees
- Where do I locate my 15-digit pre-approval code?
- How do I apply for a personal loan or an Upgrade Card?
- Where can I check the status of my application?
- Will checking my rate impact my credit score?
- Are the personal loan rates fixed or variable?
- Can I apply for another personal loan through Upgrade?
- How do I upload documents?
- How will I receive my money with a debt payoff loan?
- What card details do I need to provide?
- Is my credit card information secure?
- Which cards or loans can I pay off directly with my new loan?
- Can I change my instructions?
- When will my card payments be processed?
- Can I use my entire loan to pay off my credit cards?
- How does a debt payoff loan work?
- Why would you deny me if I was pre-approved?
- What does receiving a pre-approval letter mean?
- FAQs for Self-Employed Applicants
- What types of documents may be requested from me?
- How does the Verifications department communicate with me?
- Can I mail my documents to you instead?
- If I’m denied, am I able to re-apply?
- If I cancel my application, can I re-apply?
- Does Upgrade accept applications over the phone?
- Can I apply by mail?
- Can I include household income on my application?
- Is an email address required to apply?
- What are the next steps after I have submitted all of the requested documents?
- How long does it take to receive the funds in my bank account after completing my To-Do List?