Name: Upgrade
Rating: 4.9

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cecigilbert25 Arlington, TX

I currently have an Upgrade card with a $4k balance. When I received a preapproval for a loan (cs 643) and credit card balances that exceeded $20k, I was really hesitant because I didn’t want a hit on my credit then receive a denial. After a couple of weeks, I applied and was immediately approved for $20k loan. Had I know it was that easy, I would’ve applied for slightly more, but I paid off 4 of my high interest cc and my Upgrade card. With such a low repay amount for the loan, I can double up & pay if off faster. Thank you Upgrade!

3 years ago

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Thomas Keith Fort Mill, SC

Overall very good experience. The one strange thing is that I didn't know that the loan was being funded by the Pennsylvania Credit Union. So, the funding could have occurred much earlier than it did. I kept checking the website, and it kept asking me IF I wanted to join the Pennsylvania Credit Union, and since I don't live in PA, I have no need of that. I even called Upgrade, and was told "everything was in order and the loan should be funded very soon. Only later did I call back again, and find out that in order to get this loan, I needed to join that credit union. And it had a $20 fee to start, but the rep said that Upgrade would cover it. So, my recommendation is that when you have an institution funding a loan, that you clearly state that the consumer MUST join in order to get the loan. And note that any joining fees will be waived. That would speed the process up; cut down on customer service phone calls, and the consumer would appreciate it.

3 years ago

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Joseph King ,

My interactions with their employees have been positive but their loan sign up system seems a little clunky. I applied for the loan and signed up for PenFed on December 21st. I received a call from Upgrade around December 30th thru January 2nd who advised my sign up for PenFed sign up didn't register and the person I spoke to said they would update their system. I received another call on January 5th about the same issue and was advised that this time it was noted. The funds finally cleared on January 8th. The calls weren't unpleasant and their employees were helpful, but it appears there could be some issues with capturing all the relevant information at the time of sign up.

3 years ago

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Donnette New York, NY

I like upgrade because it gives me a chance when nobody will a chance to consolidate my credit cards that was killing me . The process is easy and fast , And it gives me a completely Lay out about my loan and how the payment Is going to be .and it’s affordable . They saw that My payments history was excellent despite the fact that my credit cards were high and they give me that chance to run with it. I can’t say that there’s anything that I don’t like about them

4 years ago

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Marlen Zapata ,

I saw an offer on Credit Karma and was pre-approved. Once I applied the approval followed thru quickly and in a matter of a couple of days; my credit cards were paid off and now I have consolidated my bills with no hassle. Easy, clear and concise. Agent called and confirmed my information was very professional, cordial and assisted me with my concerns and questions. I will be recommending Upgrade with my friends and family. Thank you.

4 years ago

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Kristin Russell Vista, CA

So it wasn’t as quick and easy as I hoped - I had to provide several different paystubs and W2s to verify my income, due to weird stuff with my company last year - but honestly it was still waaaaay easier than getting a loan from most lenders. Got a good rate from an established credit union, auttomatic payments, and had the funds within a couple days of approval. Would definitely recommend for personal loans.

4 years ago

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Chris Mandrell Riverside, CA

First off I would like to think Upgrade for approving my loan. I couldn’t get a loan from my bank and every other loan offer was Super high Interest and APR. The process was easy the customer service was awesome!! I will recommend any of my friends or family members looking for a loan to Upgrade. Again thank you very much for approving my loan. I am on the way to financial stability, lower monthly payments and paying way less in interest with no more minimum payments!! I’m so thankful and excited for this new chapter in my life!! Thank you from bottom of my heart Upgrade!!!

4 years ago

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Berlin325 Acton, CA

My experience with Upgrade was super great. The first processes were done in less than 30 minutes. Then I went to bed and by the morning when I went to check I was approved. I got approved for an amount that I asked for. It took less than 4 days to received my money... I was very thankful I was able to pay off some bills. Upgrade is a very good company and I would recommend them to anyone.

4 years ago

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G. williams Rock Island, IL

when i first thought of taking out a loan for a large purchase I was hesitant thinking these peoples were going to rake me over the coals since I had some blemishes on my credit report. Overall, everyone I encountered was professional and kind. They explained all loan aspects to my satisfaction and I am very pleased to know that I can move forward without worrying. The terms of the loan was fair and manageable.

5 years ago

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Ethan Hightstown, NJ

From checking rate and terms to finalizing the loan the process, it was effortless and easy. The user interface is simple and accessing all relevant information is quick. Loans were approved and deposited fast and the customer support is just fantastic. Its a great company, great product and should be on everyones radar if you're looking for a loan.

5 years ago

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Dan Dothan, AL

My experience with Upgrade has been magnificent. The easy online application took only a few minutes to complete and nothing about the process was mysterious or confusing. A representative called to ask if I had any questions. He was courteous and informative. The entire process took less than three days from application to funding. It was a simple, comfortable experience through out the process.

5 years ago

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Jake Turtle Mebane, NC

The process was essentially seamless meaning I submitted my information and I was told I have a matching lender who could do the loan based on my credit file. Once the remaining identifiable parts were addressed the funds were immediately deposited into my checking account and before I knew it the loan process had been finalized. Great customer service and attention to details on both sides of the process.

5 years ago

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Dwomanofgod Thaxton, MS

My husband and I are very pleased with our experience with this company. We had debated on applying for 2 months with our soft inquiry stating we were approved. We finally decided to apply on 4/19/19. We received a email on 4/20/19 that we were approved and the money was in our bank account and ready to use on 4/24/19. Best experience ever in a loan process! Thank you UPGRADEand JESUS for a successful loan and process❤🙋‍♀️

5 years ago

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Michael Oakdale, PA

I received an email offer pre approval for a personal loan applied quickly to see what my money offer and terms would be they offered several $1000 more and $1000 less than I applied for with 36 month and 60 month repay options so the flexibility and decision was easy for me . The also moved my month repay date each month so accommodate my pay day schedule. I highly recommend Upgrade for all of your personal loans needs!

6 years ago

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Kimberley Ryles Fort Knox, KY

I was very surprised once I submitted my application with upgrade. I was approved the next day I said Wow that’s the fastest I have every been approved for a Large amount. Please give upgrade a chance they are the best Loan company I have ever dealt with. You won’t regret doing business with them. Thanks again Upgrade I will refer all my friends to you when they need help. Thanks again! Kim

6 years ago

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HERBERT L CAREY Fort Worth, TX

DEAR UPGRADE: I WOULD LIKE TO THANK YOU FOR ALLOWING ME THE OPPORTUNITY TO CARE MORE FREELY FOR MY THREE YOUNG DAUGHTERS, AND TO GIVE US A BIT MORE FINANCIAL FREEDOM. MY GOAL NOW IS TO RETURN YOUR FUNDS IN HALF THE TIME OR LESS. YOUR EMPLOYEES WHERE TRUE PROFESSIONALS IN ALL THEIR CONTACT WITH ME. AS A 22 YEAR ARMY LEADERS ACADEMY INSTRUCTOR, I CAN RELATE TO FINE PROFESSIONAL ON YOUR STAFF. "WELL DONE". AGAIN, THANKS! HERBERT L. CAREY SFC US ARMY, RETIRED

6 years ago

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Dionne Simpson El Cajon, CA

I was extremely impressed how streamlined the process was from start to finish. The representative who assisted me was very professional and the end result was an approval. I’m extremely satisfied with my overall experience and happy to be doing business with Upgrade. I will definitely recommend this company to all my friends and family who are looking for funding options

6 years ago

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GORDON K CALMAN Henderson, KY

I got their mailer and filled in the information .I t was very simple process.I had a slight computer glitch and when I called the next day, their representative was very kind and easy to talk with and solved my problem practically without me having to ask!. Gave me the information on the status and, as she told, me, I was approved that afternoon. Because of the weekend I had the money in my bank w i thin 3 days. The terms where within reason and the payoff time and monthly payments schedule where exactly what I had been needing

6 years ago

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Matthew Ford

Such an easy seamless process! Bills were paid and money in my account in 2 business days!

2 months ago

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Haley Luftman

Upgrade is so easy to use, quick turnaround, great customer service and the app is user-friendly!

2 months ago

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Maria Johnson

Everything was to perfection. I couldn’t believe how quickly I hot this loan and how quickly payments was made to the lenders .

4 months ago

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Price Family

I liked how easy the process was. I also appreciate a company like yours that would approve me for a loan even though my credit is not the best and help me make it better!

7 months ago

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Jamie Teague Kings Mountain, NC

Always easy to deal with . You tell them what you need and the make it happen . This is my second loan with upgrade . And I will use them again and tell everyone I know about them.

9 months ago

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Craig Geffert

Overall our experience has been wonderful. Easy to apply and to submit any information and funding was amazingly fast. Contacted customer service, one time just to ask a question and they were fast and friendly.

11 months ago

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Barry Billingsley

it was easy to apply and the funding of the loan was ffast,

1 month ago

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Victor Fernandez

The process is very fast and easy really like it

1 month ago

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Gina Spratt

Very simple and helped me consolidate credit cards.

1 month ago

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Linda McGill Lorton, VA

Great personalized communication and follow-up by assigned loan officer. This is by far the best application experience with a lender. Approval was smooth, fast, and easy with no unnecessary hassles compared to most other lenders.

1 year ago

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Captanker Russ GA

This is the most hassle free and dependable loan company on the web. Their website keeps all your information in one place and it’s easy to track. The card offers decent rewards and a reasonable interest rate. Two thumbs up.

1 year ago

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David West Burlington, KY

Unbelievably easy, filled out the application and the money was disbursed the next day. I already have another loan through Upgrade and that one was just as simple. This will be my first stop if ever I need to take another loan.

1 year ago

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Johnny Palm Coast, FL

Finding the Upgrade loan website was the most comfortable experience to deal with. I have been Searching the Internet for credit card and personal loans for quite some time and Upgrade jumped out and made me feel like I was understood from the get go. If anyone wants to make their financial goals become realistic without all the guess work then Upgrade is the way to get started.

1 year ago

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Leslie L.T. Marrero, LA

The process was quick and easy. I was approved for a debt con loan 1st, however the system would not accept the creditors information to be paid off. I had to do a personally loan. The difference between the two loan was the interest rate. Over all the process was still very quick and easy to do.

1 year ago

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sarah healy Hawthorne, CA

Easiest process ever. Paid off 2 high interest cards in full, payment sent by Upgrade, the rest deposited in my account in less than 48 hours and I paid 3 more myself. Saving so much money and my payment is more than half of what I was paying my cards directly. Thank you!

1 year ago

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Jen McCullough

I wanted a way to consolidate debit and pay it down at a reasonable rate. I was skeptical about the process but Upgrade made it very easy from the application to payout process. I am still new to this but am excited to get better control of things with the help of Upgrade,

1 year ago

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Daphne Thompson Rockville, MD

My loan process was seamless, I searched for the best rate possible and found it at Upgrade. The swift process and professionalism that I received from start to finish was excellent. Thank you Upgrade for assisting me at my time of need as well as making this process seamless. If you need a loan! you need UPGRADE

1 year ago

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William D Howell Sr Tavares, FL

This is my second Upgrade personal loan and I have nothing but good things to say. The application process was easy and I was approved and my money sent to my account very quickly. I have never had any issues with Upgrade and will continue to use them in the future.

1 year ago

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Brent Carter Cedar Hill, TX

I was skeptical at first, since it was all done online without any contact, but was very easy and painless to get a loan to help consolidate my debt into one payment. Interest is high, but it was just as high as my credit cards. Is a great option for debt consolidation loan.

1 year ago

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Charzy01 Kalāheo, HI

Convenience and ease of application process. Once approved, funds were so quickly available. One improvement to recommend would be more options in paying off personal loans with companies or banks as the options available were limited.

1 year ago

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Matthew Ayers

The loan approval process could not have been easier or quicker. I was pleasantly surprised and very impressed with how easy the process was. Definitely not what I’m used to working with when with big banks and other institutions. It was actually an enjoyable process.

1 year ago

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fran Perrysburg, OH

a great grand child showed up for Christmas. he lives in Iowa with his mom and i hadnt seen him in 4 and a half years so i needed money for his gift. the other great grand children had many gifts but he had a few. the money did not get into my account till after Christmas.

1 year ago

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Brenda Email Fayetteville, NC

We have been with upgrade for awhile now. Three loans total. The first one was a little over the top with verification , but this better with each loan -Understandably because fraud hampers us all. The staff is friendly and the service is quick.

2 years ago

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Stephen A. Smiarowski Rapid City, SD

Everyone I spoke with was helpful and knowledgeable in their job. The Upgrade team made the loan process easy and fast. I was walked through all the steps I needed help with. Everything was accomplished using a smart phone. Upgrade worked with me, and is working with me to achieve financial health. Go to Upgrade first. Stephen A. Smiarowski

2 years ago

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Ashley Morgan Antigo, WI

Quick and easy to apply for loans. Never had any problems and any concerns were quickly addressed by customer service. Paid off my first loan early without complications or hidden fees. Applied for my second almost a year later, was approved and funds dispersed in a few short days. Appreciated the reliability for a family vacation and now preparing for the birth of our next baby.

2 years ago

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Yvonne Tangang Jefferson, GA

My experience with Upgrade was very smooth and professional. I applied for a loan on a Wednesday and by Friday I had the money in my bank account. My only thing is that my payment was due the very next month, it would have been good to give a month or two of grace period.

2 years ago

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Cynthia Saludo Los Angeles, CA

Upgrade is a legit, reliable, and safe company to apply for a loan. Funding is fast as soon as approved and requirements are met. I’m so grateful to receive the money via bank account transfer to pay all my credit card bills. A life saver. Will truly recommend to friends and family.

2 years ago

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Shirley A. Martin Houston, TX

Applying for the loan was almost simple, I was and still am having problems with getting into and changing my password. I follow all the instructions and still get your information is incorrect. I have no idea what my loan /account number is, and I am very uneasy not being able to check my account file when I want to! This is my FIRST time dealing with this company!!!

2 years ago

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Russell Williams TN

I searched for personal loans through several different lenders, I was drawn to Upgrade through the ease of application, their quick response and service. The whole process was easy and efficient. I would recommend Upgrade to anyone needing a loan. Very professional, a pleasant experience.

2 years ago

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Jay Fort Lauderdale, FL

The company made it absolutely easy to apply. I posted the requested document and within two days I was informed that the loan was approved. Within 2 days the money was in my account and within a week all my outstanding balances were covered.

2 years ago

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Paige Spivey Columbus, OH

This was my first personal loan and the application process was super easy and fast. I submitted the necessary documents and had my money the very next day. Would highly recommend to others looking to take care of credit card debt.

2 years ago

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Andy Sosenko Lorain, OH

Good experience dealing with Upgrade. Was a little misleading, thought it would have went much quicker with pre approval. Also should have asked for all information needed at one time, instead of keep having to submit info multiple time.

2 years ago