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?
  • 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?
  • 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 an Upgrade Card?
  • Can Personal Loans or the Upgrade Card be used for school?
  • 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?
  • How do joint applications work?
  • About Us
  • Careers
  • Personal Loans
  • Privacy
  • Terms of Use
  • Upgrade Reviews
Contact@upgrade.com275 Battery Street, 23rd Floor, San Francisco, CA 94111, USACopyright 2017 Upgrade, Inc. All rights reserved.
Personal Loans and Auto Refinance Loans are made by Upgrade's bank partners. Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender.
Personal Credit Lines are made by Cross River Bank, Member FDIC. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc. Bitcoin services and accounts are provided by NYDIG. NYDIG is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. See NYDIG Terms.
Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs.
Checking and savings accounts are provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Upgrade is afinancial technology company, not a bank