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 a Personal Credit Line?
- Will checking my rate impact my credit score?
- Does Upgrade offer fixed or variable rates on its personal loans?
- Can I apply for another personal loan through Upgrade?
- Why would you deny me if I was pre-approved?
- What does receiving a pre-approval letter mean?
- FAQs for Self-Employed Applicants
- 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?
- How can I reduce the number of unsolicited credit and insurance offers I receive?
- What information do you need to verify my employment?
- What are the minimum borrower requirements?
- Is collateral required to get a Personal Loan or open a Personal Credit Line through Upgrade?
- Can Personal Loans or Personal Credit Lines through Upgrade be used for school?
- Is an email address required to apply?
- Why weren’t you able to retrieve my credit report?
- Why do you need my bank account information?
- What is an Adverse Action Notice?
- Where can I find my routing and account numbers for my bank account?
- Does being denied damage my credit score?
- What is the difference between Annual Percentage Rate (APR) and the Interest Rate?
- Should I put my gross or net income on the application?
- Can I include additional income?
- How do I cancel my application?