About Us

Our Goal

Our goal is to help you understand and unlock your credit potential and lower the cost of your credit so you can build the future you want.

Who we are

Upgrade, Inc.

Two members of our founding team, Renaud Laplanche and Soul Htite, are the co-founders of Lending Club, a pioneer in marketplace lending that facilitated over $26 billion in loans and made credit more affordable for nearly 2 million American families over the last decade. Soul also founded Dianrong, one of the largest marketplace lending platforms in China.

Our founders have now designed a new credit platform that attempts to create even more value for our customers and be more helpful to more people. Learn more about the team.

How we help

How we help

We believe that combining personal loans with free credit monitoring, alerts, and education features makes us more helpful to more people. You can enjoy these features separately or together, either way we’re hoping that a better understanding of your credit potential and ongoing credit tips will help you secure more affordable credit in the long run.

Our Offices

San Francisco

San Francisco

425 California Street

San Francisco, CA 94104


Operations Center

One Renaissance Square

Phoenix, AZ 85003