1. Upgrade
  2. Application Process
  3. Application Process

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?
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Contact@upgrade.com275 Battery Street, 23rd Floor, San Francisco, CA 94111, USACopyright 2017 Upgrade, Inc. All rights reserved.
All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners.
Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc.
Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs.
Upgrade is a financial technology company, not a bank