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7.7

Overall Score

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Paula Pili Provo, UT

The positive about this card is that it is a Great second chance card! I honestly didn’t think I’d get approved The process was simple and relatively quick! Don’t go crazy though because then it ends up being your worst enemy! My advice would be keep it for emergencies only. Pay it off after every usage. It’s a great option to have in your wallet! Why am I telling you this? Everything I’m telling you I’ve done the opposite! If you don’t pay as you go, the interest rate will kill you! I gave it a 2 because the customer service agents really are not knowledgeable in their product. I would still have my card if it weren’t for all of the misinformed information and agents not doing their job correctly. I did an arrangement After I made the first payment of the arrangement I was already in Default The representative didn’t enter it in correctly. I had made a proposition And instead of the agent letting me know of the counter offer which I could’ve done he kept quiet until it was too late. It has the potential for higher stars, the employees have to get it together

2 years ago Edited January 17, 2022

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James Martin The Bronx, NY

Thanks upgrade. Can't thank enough on upgrade helpings me. I needed a little miracle grabbing hold on my credit card debt. And you guys came through. Thanks again much appreciated.

2 years ago

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Jerri Shirley Lincolnton, GA

The application process was easy. I am using this for a debt consolidation loan and as promised Upgrade paid all the creditors I had listed promptly. I am very impressed with the service provided.

2 years ago

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Amanda Briscoe Sand Springs, OK

Easy, quick process to apply! Quick processing time for approval and payments to debtors. I can’t wait to make 1 monthly payment instead of 5 and be well on my way to debt free.

2 years ago

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Laticia W Lansing, MI

Upgrade is easy to work with. I especially love that they give opportunities to everyone regardless of their FICO score. I highly recommend Upgrade to anyone looking to build or re-build their credit.

2 years ago

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Ceohgoodwin Albany, GA

I am honored to have had a great experience applying for a loan. It was fast and very easy to complete. I will continue to do business with Upgrade because they truly will upgrade you.

2 years ago

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Christine Fenton Huntington, NY

If anyone is looking for a personal loan, look no further than UPGRADE. This is the easiest and fastest company I ever dealt with. I will always go back to UPGRADE for my financial needs.

2 years ago

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Wanda Boozer Lexington, SC

It was very easy to obtain the loan. I filled the application on line , click submit and within hours I had been approved. My funds were dispersed within days. I got a low interest rate on my loan and am very happy.

2 years ago

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alesia d. Alpharetta, GA

What can I say, "fast turn around". I received a loan to pay of credit card debt. Credit card companies received their payment within a couple of days. Now I'm on a fixed payment that suit my budget.

2 years ago Edited October 8, 2021

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Elaine Bradford

Customer service gave me the runaround for weeks before they finally looked into where over half of my funds went to. No one ever answered any messages I sent, and wait times to speak with representatives are over an hour and a half, and then you’re rushed to get off of the phone. I did finally get all of the funds, which is why I gave 3 stars, but I honestly regretted getting the loan after dealing with them for weeks.

2 years ago

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Henry T. Mera Queens, NY

I'm grateful for the 3-5 day quick turn around to be approved and receive the funds. It's been a while since I've opened a loan, I had forgotten about the fee to open one. Came at a hefty $420 fee from a $10K loan. Here's hoping I can pay them off and showcase I can be a trusted candidate for future ones. Very happy with the service. Thank you!

2 years ago

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Edwina Aiken, SC

The loan process was very quick and easy. The response to my email was less than 24 hrs. The wait time to speak with a representative needs a much shorter hold. Overall I was well pleased with my experience with UPGRADE.

2 years ago

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MIDGE KAMMER Winchester, CA

Easy to work with and very nice customer service folks. They checked on me to help make sure everything went smoothly and efficiently. The whole process has been such a joy.

2 years ago

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Poncho Nader Longwood, FL

Great company that helps you to build a better financial future with unique tools and products that facilitate that financial build with sense and responsibility, absolutely the company to be in your first personal loan.

2 years ago

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[email protected] Roseville, CA

I applied for a small loan, to help streamline my debt. Upgrade has a good reputation, so when I received a pre-approved letter in the mail, I decided to go with them. It was an easy process, and the customer service representative was extremely helpful. I will recommend them to any friends who need this service.

2 years ago

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LequesneBullies Palm City, FL

Remarkably smooth transactions and interfacing. Pleasant communications and hardly anything to complain about. Mature response staff via phone and email. A pleasant experience (which is A LOT more than you can say of some)

2 years ago

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Shea Checotah, OK

Overall it has been great except for the amount it said I was preapproved for was actually less than what I got but this loan helped me payoff some stuff and now I just have 1 payment versus multiple and I’m saving over $500 a month.

2 years ago

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Karolyn Kellum Sacramento, CA

The ease in applying online, the clear step by step process to complete the application and submit the needed documentation, and the follow-up letting you the status of your application and approval.

2 years ago

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Ron Jones Phoenix, AZ

I was paying over $600 a month for a bad loan. Another $75 for credit cards. I was able to pay under $300 per month for more money. I love the loan however I can't wait to pay it off.. lol

2 years ago

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Ellie Cusick Matthews, NC

Applies for a loan thru CreditKarma. Was approved and filled out the info requested and then it just sat in a holding status. Tried to contact them twice - once on hold for 15 minutes and then for 48 minutes before getting thru. Was told I needed to complete another step to get the money which was very vague on their webs site. It did not say it was required and was applying for a credit union in a state I don't live in so very confusing. Once I got a person on the phone, she was very helpful.

2 years ago

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Allen Stoner Mesa, AZ

From the first hello to the last good bye , nothing but joy in dealing with the wonderful woman on the other end my anxiety of calling eliminated THANK FOR BEING THERE IN MY TIME OF NEED

2 years ago

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Tracey Silverwood Chicago, IL

Simply the easiest loan process and with amazing rates. I would recommend to anyone. Received the recommendation from Credit Karma on a Tuesday by Saturday have everything all approved and processed.

2 years ago

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David Calabrese Toms River, NJ

Very easy application process. Got approved for exactly what I needed to pay off credit card debt. Good rate considering my credit score. Thanks Upgrade for helping me get back on track with my life

2 years ago

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Thomas Allen Utica, MI

Fantastic group of people. They made the process simple and easy. I tried several other lenders and by far the simplest set of process were handled by Upstart. I would recommend them to everyone!

3 years ago

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Gpop Honolulu, HI

It was a easy application. The only problem we encountered was not understanding exactly what documents are being requested. As the application was completed towards the end of the month, a bank statement is not always available.

3 years ago

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Robert Pond ,

I like the virtual nature of being able to borrow money! I think the old brick and mortar model is dead. While my loan was eventually funded, it took longer than I expected (over 1 week), there was a lack of transparency to a degree, customer service (1st call was not helpful), further calls to customer service were handed better, and the resolution member/team assigned to my account to get me funded did an outstanding job!

3 years ago

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Eddie Brooklet, GA

Once the company got all the needed information, it was a very quick decision. When I was approved the money was in my account faster than I was told it would be. The whole process was fast and easy. I highly recommend.

3 years ago

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G Dukes Pittsburgh, PA

Great application process - I had already gotten a credit card from Upgrade, and decided on using them for a debt consolidation load. Everything online, quick results, fair offer - I have no complaints!

3 years ago

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Ruben Alconero Rochester, NY

I had an upgrade loan in the past which was completed overnight a few years ago, this one took over two weeks. I had to have a three way call with my bank, and fill out an employment verification form while I am employed. I was then told with 23 years at American Airlines i was considered to be in a shaky business. The paperwork to my employer was repeatedly sent to my manager as he was the person applying for the loan. When all that was sorted out, I was told Upgrade needed verification that it was my manager that sent it. I said he sent it from his email, what more do you want. I have a 800 plus credit score and a six figure income, and felt as if I had been bankrupt applying for a 3rd rate loan... I was really surprised being a prior customer. I honestly almost pulled the application and went to Prosper.

3 years ago

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Julie Guyette Hales Corners, WI

From start to finish, the process was seamless, the folks professional, the funds delivered quickly. Upstart was such a help to me and my budget -- I am so appreciative!! Thanks much!!

3 years ago

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Concerning Fees Tiverton, RI

Smooth approval process. HOWEVER, the origination fee is outrageous and leaves a bad taste. I understand companies go into business to make money, but the "origination fee" combined with the above than average interest rate is concerning and out of control. I was desperate to obtain a credit card consolidation loan and this was a last option. Only recommend this as a last ditch effort.

3 years ago

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Sylvia Houston, TX

That I didn’t have to send anything in just rely on my social security number, name & date of birth. That’s all that was needed to get a loan. Most loans require copy of this & that!! But it was so nice & easy!!!

3 years ago

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sexyj76 Fontana, CA

Very easy to apply for. I have bad credit and they were still able to provide a loan for me. Customer service was friendly and very knowledgeable of what I needed done on my end to make sure the process ran smoothly.

3 years ago

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Jimmy Caviness Houston, TX

The process was super simple customer service was very helpful on gotten me through the process notifications were sent throughout the process I would highly recommend upgrade to anyone.

3 years ago

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Dcl102572 West Chester, OH

Overall great so far! The only thing is once u accept the loan it’s impossible to get thru to live agent on the toll free line. I waited for 50 min and still no one. So I asked to be called back and no one still has yet to call.

3 years ago

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James Grandison Charlotte, NC

I thank upgrade for submitting a loan,that was fast and on time. And I would recommend them to anyone. Even when I'm through paying back I will continue to work with them. Thanks!

3 years ago

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Henry J Braun Kew Gardens, NY

I had credit card debt of about $18,000 every code was at least 24% interest I got in touch with upgrade to consolidate everything and I have to say it was a very good experience took a few days but I did get approved

3 years ago

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Lisa Crocker Chester, VA

What a great experience! It was seamless and professional. And some of the best interest rates to be found. If you're looking to consolidate debt to a lower interest rate, this is your company!

4 years ago

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BARBARA Alicia, AR

Fast easy process. Above and beyond my expectations from a loan company. Friendly customer service. I give a 5 star rating. Highly recommend Upgrade! Would use again for my financial needs!

4 years ago

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Robert Zarro Old Bridge, NJ

It was a easy process to apply for loan. Customer service team were very helpful and had my money deposited into my account within 4 days of getting my approval I highly recommend Upgrade fir your personal loan needs

4 years ago

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Shardai Brooklyn, NY

The overall process was easy and all the representatives I spoke to were knowledgeable and answered all questions. The only issue I did have was the partner agreement you have with PenFed credit union. I would not have wanted to open a bank with them nor have my personal financial information with another bank.

4 years ago

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miguel solis Danville, AR

Super easy to obtain, easy to fill out the application, extremely easy to obtain the credit, the money was deposited in 4 days as they said. 100% recommended. Very happy with this company.

4 years ago

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yvette branch Little Rock, AR

The process of requesting the loan was fairly simply and there was absolutely no regrets of applying for a loan with Upgrade. I am already thinking about requesting another loan, once I repay my first loan.

4 years ago

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Caron Springfield, IL

From start to finish the whole process was quick. I was contacted by one of Upgrades representative to confirm my information and within days the funds were in my account. Will use them again if necessary.

4 years ago

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Ms E Shakopee, MN

I applied for a loan to consolidate my debt. The process was fast and painless! I had my decision within minutes of submitting my information and the money was in my bank amount the next morning. Awesome experience!

4 years ago

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RC Sikeston, MO

Fast and customer service friendly. I love being able to watch my credit score each month. This is my second loan with Upgrade. When my credit debt got to high and couldn’t pay off. Upgrade was here to help me!!

4 years ago

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ANDREW CAMPBELL-YOUNG Lansing, IL

Just pay your loan back on time it will make the lending process so much easier Upgrade rocks and I will definitely take another loan out with them if needed again in the future

5 years ago

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JH Evansville, IN

It was easy, all online. I consolidated credit cards and it will really help me out. I asked to revise the payment due date after I was approved and they took care of it with no hassle at all.

5 years ago

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Lupe Las Cruces, NM

I submitted my application with Upgrade because I found myself needing a little bit of help. Upgrade came through for me very quickly and efficiently, which I am extremely grateful. Paid off my designated accounts.

5 years ago

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Sharon Minneapolis, MN

The application process was quick and painless. Your online application process was very straight forward. I spoke to one of your reps and he was very helpful. I give you a rating of 5 out of 5. Sharon Olund

5 years ago