Upgrade
Application Process
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?
