Celebrate important milestones with a special occasions personal loan
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Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**
Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**Pay for special occasions with a personal loan
Throw the celebration of a lifetime with a personal loan for special occasions. Make your celebration memorable, whether it’s a birthday, graduation, holiday, anniversary or retirement party.
Best Personal Loans
Personal loan reviews from our customers
”One of our high interest credit cards had gotten out of hand and was siphoning funds away from our savings goals. It was a responsible step for us to set up a personal loan that will be paid off in a set time period at much less interest. Because of Upgrade, I can now see our family living debt-free.”
It's quick and easy to apply for a personal loan online
Apply online in minutes and see your rate with no obligation or impact to your credit score.
Review multiple loan options and decide which offer is best.
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.
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...
The 17.98% APR includes:
You would get $9,500 deposited directly in your account
$10,000 —
$500 = $9,500
And, each month you would pay back $343.33 over 36 months
Personal Loan FAQs
- Can I use a personal loan for graduation?
- Yes, a special occasion personal loan is a great way to pay for a graduation party without using your savings or getting stuck with high credit card interest rates. Graduation is the culmination of years of hard work, so it’s a great occasion to celebrate.
A personal loan through Upgrade is unsecured, which means it isn’t backed by property or other collateral. You’ll receive your funds in a lump sum and personal loans through Upgrade have a fixed interest rate so you’ll know exactly what you’ll pay each month and when you’ll finish paying back your loan.
- Can I use a personal loan for the holidays?
- Yes, a special occasion personal loan is a great way to pay for the holidays without using your savings or getting stuck with high credit card interest rates. Holiday expenses can add up, from gifts to travel, it may be hard to pay for everything with the cash you have on hand.
A personal loan through Upgrade is unsecured, which means it isn’t backed by property or other collateral. You’ll receive your funds in a lump sum and personal loans through Upgrade have a fixed interest rate so you’ll know exactly what you’ll pay each month and when you’ll finish paying back your loan.
- Can I use a personal loan for new baby expenses?
- Yes, a special occasion personal loan is a great way to pay for baby expenses without using your savings or getting stuck with high credit card interest rates. As your family grows so can your expenses. A personal loan can make life with a newborn a little easier whether you’re paying for an adorable nursery, diapers, a car seat, or anything else you and your newborn need.
A personal loan through Upgrade is unsecured, which means it isn’t backed by property or other collateral. You’ll receive your funds in a lump sum and personal loans through Upgrade have a fixed interest rate so you’ll know exactly what you’ll pay each month and when you’ll finish paying back your loan.
- Can I use a personal loan for a birthday, anniversary or retirement celebration?
- Yes, a special occasion personal loan is a great way to pay for a party without using your savings or getting stuck with high credit card interest rates. You may have a big birthday or anniversary coming up that deserves an extra special celebration. Or you or someone in your family may be celebrating retirement with a big party.
A personal loan through Upgrade is unsecured, which means it isn’t backed by property or other collateral. You’ll receive your funds in a lump sum and personal loans through Upgrade have a fixed interest rate so you’ll know exactly what you’ll pay each month and when you’ll finish paying back your loan.
- Why use a personal loan to pay for a special occasion?
- Your special occasion may cost more than you have in savings or you may want to keep your savings as an emergency fund and may want to consider other wedding financing options.
Credit cards often have high variable interest rates that can increase at any time. This can make it hard to know the true cost and predict when you’ll be able to pay it off. With a personal loan through Upgrade, we eliminate those surprises. A personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.
Read more about the pros and cons of a personal loan or credit card.
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