Make a major purchase
Checking your rate is free and won’t impact your credit score.
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**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
Fast funding†
Fixed rates and terms
Major purchase personal loans that make life happen
Wedding and Special Occasions
Dream vacation
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
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
- Why not use a credit card for my major purchase?
- Credit cards often have high variable interest rates that increase at any time. This can make it hard to know the true cost of a project and predict when you'll be able to pay it off. When a specific project cost is mixed in with other living expenses it can become even more difficult to plan when it'll be paid off or even recognize when, or if, it has. 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 paying for unexpected expenses with a personal loan, credit card and more.
- Will checking my rate affect my credit score?
- Checking your rate won’t impact your credit score. When you check your rate to see what offer(s) you may qualify for, we perform a soft inquiry on your credit report, which won’t impact your credit score. Soft inquiries can only be seen by you. When you accept your offer and submit your bank account information, we perform a second soft inquiry which also does not impact your credit score. Once your loan is funded, we perform a hard inquiry on your credit report, which may impact your credit score and can be viewed by third parties.
- What if I want to pay off my loan sooner?
- Don't worry, if you find that you can pay off your loan before your final payment, that's great! You won't be penalized — there are no prepayment fees!
- How much can I borrow?
- With a major purchase personal loan through Upgrade, you can borrow $1,000 to $50,000. You should receive your money in your bank account within a day of clearing necessary verifications.
Need Help?
Email us at
support@upgrade.com
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See if a personal loan is right for you.
Checking your rate won’t affect your credit score.
