Make a major purchase
- Loans up to $50,000
- Affordable monthly payments
- No prepayment fees
- Fast funding†
Checking your rate is free and won’t impact your credit score.
Get $200 with Rewards Checking Preferred
when you also open an account and direct deposit at least $1,000**Get $200 with Rewards Checking Preferred
when you also open an account and direct deposit at least $1,000**Reach your goals with a personal loan through Upgrade
Why pay for a major purchase with a large purchase personal loan?
Check your rate online and in minutes
Find out your rate and how much you qualify for in minutes. No obligation, no cost, and no impact to your credit score.
Fast funding†
You should receive your funds within a day of clearing verifications.
Fixed rates and terms
Low interest rates with fixed terms. A major purchase loan will give you a clear payoff date that you can circle on your calendar.
Major purchase personal loans that make life happen
Wedding and Special Occasions
Plan a one-of-a-kind event and enjoy memories with your loved ones.
Dream vacation
Funds to explore new destinations and expand yourself beyond everyday life.
It's quick and easy to apply for a personal loan online
- Check your rate
Apply online in minutes and see your rate with no obligation or impact to your credit score.
- Choose your personal loan*
Review multiple loan options and decide which offer is best.
- Fast funding†
Accept your loan offer and you should get your money within a day of clearing necessary verifications.
Personal loans through Upgrade are flexible & customizable
Select an offer
Choose your monthly payment that won't ever change and fits your budget.
- Loan Amount
- $15,000
- APR
- 12.66%
- Term
- 36 months
- Monthly Payment
- $449.50
Fixed Rate & Term
Pick terms that fit your timeline.
A simple breakdown of a personal loan
Get to know the rates, fees and your payback plan
If you're approved for a $10,000 loan with a 17.98% APR and 36-month term...
- Your APR
The 17.98% APR includes:
14.32% yearly interest rate5% one-time origination fee ($500) - Your money
You would get $9,500 deposited directly in your account
$10,000 —
$500 = $9,500
- Your payments
And, each month you would pay back $343.33 over 36 months
What customers are saying: major purchase loans
”Upgrade was able to help me secure a personal loan to help get ahead in life. They were fast and prompt, willing to help me by all means. The representatives were very helpful, friendly, courteous, and I feel went over and beyond to help.”

Major purchase loan FAQs

Need Help?
Email us at
support@upgrade.com
Or call us at
(844) 319-3909
Monday - Friday, 5:00 AM - 7:00 PM PT
Saturday - Sunday, 6:00 AM - 5:00 PM PT
See if a personal loan is right for you.
Checking your rate won’t affect your credit score.