Get up to $50,000 with a low, fixed rate loan

Here are just some of the ways people use personal loans:

• Debt consolidation
• Paying off high-interest debt
• Home improvement expenses
• Important purchases
• Unforeseen necessary expenses

Once you accept an offer and your loan is funded, we perform a hard credit inquiry. Third parties can see this inquiry and it may impact your credit score.

Variable rates can go up and down depending on different market conditions which can lead to higher-than-expected interest costs, particularly in turbulent economic times when interest rates may fluctuate.

Late or missed payments can result in additional interest and fees.

Through Upgrade’s platform, you may be offered a choice between an unsecured loan or securing your loan with your car. Either way, don’t be afraid to shop around for the best personal loan interest rate!

Soft inquiries or credit pulls, on the other hand, are not visible to third party creditors viewing your credit report and have no effect on your credit score. Examples of situations that may involve a soft inquiry include lenders pulling your credit to determine your eligibility for pre-approved offers, potential employers performing a background check, or landlords checking your credit when you apply for an apartment.

1. Check what rate you qualify for online (this won’t impact your credit score)
2. If you qualify, choose the loan offer that best fits your needs
3. Receive funding within 1 business day of clearing verifications†

We hope you’ll find our application process simple, straightforward, and seamless!

To qualify for a personal loan through Upgrade, you must:

• Be a U.S. citizen, a permanent resident, or living in the U.S. on a valid visa; 
• Be at least 18 years old or 19 in Alabama and other select states; 
• Be able to provide verifiable bank account information and a valid email address.

Even if you don’t qualify, applications won’t hurt your credit score since we only do a soft credit check. 

If you are concerned about your credit, we have plenty of resources to help get you back on track.

Once you apply and get approved for an offer, you can decide what loan term works best for you. And remember, you can always pay your loan off early with no hassle or early payoff fees!

In a joint application, the credit profiles of both applicants are taken into account and both applicants are jointly responsible for repaying the loan.

Upgrade will keep you updated and we recommend you check your dashboard for document requests. The faster we can verify your information, the faster we can finalize your loan!