Name: Upgrade
Rating: 4.9

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Shalon Johnson Minneapolis, MN

I used Upgrade due to needing a loan immediately, I was approved within 30 minutes and I believe the funds hit my account same day or next day. Upgrade was available for me to utilize when I needed it most. The only con is the interest rate which is based on your credit score which is understanding but the interest rate is fairly high. However, they do provide you with information as to how much interest you will accrue based off when you pay it off. The monthly payments are super affordable as well. I would highly recommend, I would say proceed with caution due to the interest rate.

3 years ago Edited August 18, 2022

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suzanna Brooklyn, NY

Awesome and easy application. Excellent customer service a loan company who truly wants to help you reaching your financial goals. I am thankful that they helped me with my financial goals helped me tremendously and truly appreciate their service so happy I went with upgrade I feel safe and they are totally trustworthy. Thank you very much upgrade grateful for your help.

3 years ago

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William Mouncey Los Angeles, CA

I applied for a loan after receiving an offer on their site, subsequent to being approved for a credit card that was 2X my previous high limit. After submitting the docs needed online (also easy), I received my loan when was 3X my previous high credit line. I had my funds in my account within 3 days after approval, and the auto-debit feature makes it virtually impossible to miss a payment. Overall I am beyond happy with my Upgrade experience, and will continue to use their services.

3 years ago

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Dorell Watson Roanoke Rapids, NC

Where do I begin it took no time to get a call from Upgrade about what I needed to finalize the loan.. The customer service was Awesome he was so patient with me cause I was at work. Than within a day or 2 the funds were deposited. I have already recommended them to family members next friends. Thanks again Upgrade Happy Holidays. Watson NC 2021

3 years ago

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Calixto Delgado

I had applied to my bank for a consolidation loan two or three weeks before and was given a ridiculous interest rate and a lower amount than I requested. And it took days to find out any information on my loan. I took a chance with upgrade and in 24 hours had approval and money in the bank, within 48 hours my credit cards were paid off. And also my interest rate was more than half of what my bank had offered. I am very satisfied .

4 years ago

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Cola Henrico, VA

Upgrade is good as long as you pay your payments on time it was a good decision for me to use them even though the interest rate was high I still love them and I thank them for the opportunity to give me the credit that I need it to handle my business that I needed to be done the experience was awesome and still is awesome and I'm still using them. Thank you Upgrade

4 years ago

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Veronica Durham Mechanicsburg, PA

I receive the offer in CreditKarma. I hesitated to review the offer, but Im glad I did. Interest rate is acceptable, the process was fast. Upgrade fulfill what was offer! Better than a regular bank, no stressful paperwork, easy to apply, funds were deposited as promised in 2 business days. Great experience to me and helping with my finances. I recommend Upgrade

4 years ago

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wassup network Orlando, FL

In one instance I needed to finance an emergency roof repair. Thankfully, I was approved in minutes and my loan was I. My bank within 48 hours. After a year of on time payments, the next year my ceiling caved in from a/c condensation. Again Upgrade financed my home repair. Affordable payments helped me save my home. Upgrade is a valuable resource!

4 years ago

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Beatrice Mahoney Holly Springs, NC

i found Upgrade by accident and it was the best thing that could have happened. I applied for a loan for a much needed work truck. I had my funds in the bank within 2 days.Fastest and no fuss loan ever applied for and received.I am truly thankful to Upgrade.So you know,we found a truck within my loan range and came home with it today.we are very happy and it's thanks to Upgrade.

4 years ago

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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!

4 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.

4 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.

4 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

5 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.

5 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.

5 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!!!

5 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.

5 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.

6 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.

6 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.

6 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.

6 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❤🙋‍♀️

6 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

7 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

7 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

7 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

7 years ago

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Rebecca Lynn

Fast and simple, easy to work with. Everyone was extremely nice. It was a pleasure.

2 months ago

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Melinda

Amazing didn't take long at all. That's what I'm talking about fast approval!!! Can't wait for an increase Lol!

3 months ago

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Spanky

Easy from start to finish! Great interest rates!everyone very friendly and had answers to my questions!

3 months ago

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Samantha Maxwell

I love how easy it was to get the loan and the ease of them putting it into my bank account. The low monthly payment was really it. I love Upgrade

4 months ago

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ColonialFarmer

The entire process was quick, easy, fully explained ahead of time and produced results as promised. I strongly recommend that you Upgrade.

4 months ago

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Juan Carlos Valdes

It was a great experience again on getting approved and the process was easy. Thank you again for the opportunity to be a customer.

5 months ago

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Dahlia A. Steensen

Overall, I am very pleased with Upgrade!! Your representative Isaiah was patient, professional and quite knowledgeable, a pleasure to work with.

5 months ago

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julie elrod

I liked ho how easy it was to get approved for my loan

2 weeks ago

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ArmyMikefFitness

Application and approval process was quick and easy

1 month ago

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Jeani C

The loan process was quick, easy and painless. Everything was handled electronically and I had my funds the next day. My credit score went up as well, since I used the funds to pay off high interest credit cards. I recommend checking Upgrade if you need a consolidation loan.

1 year ago

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Gabriela De La Cruz

I like that every question can be answered on your app. Need to change the date of billing? No problem. Need to change acct and auto pay? No problem. Need to make a single payment? No problem. Need to pay it in full? No problem.

1 year ago

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Juakenya Ball

This is my second time doing business with this company. Everything went very well. Customer services was wonderful. The young lady was very professional and knowledgeable. I’m glad they agreed to continue doing business with me.

1 year ago

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Eric Powells

I would like to take the time to thank Upgrade. I was about $10,100 in credit card debt. It’s giving me a fresh start. They sent me the money to pay off my credit card debt and I have a low monthly payment that I can afford.

1 year ago

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Jeanette Storie

The application process was very easy! It offered me several different options as far as length of loan, payment amounts and interest rates. The approval was very quick, and they directed funds exactly where I wanted them to go.

1 year ago

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Janicea Tandy

This is my 3 loan from Upgrade the Application and process is so easy , the money I need was in my Account within forty eight hours . I had a question about my loan. I called into customer service. The representative was very friendly and Knowledgeable Giving me the correct information I needed . On the schedule from 1-10 definitely a ten ,

1 year ago

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Randy D.

The application process was very easy to navigate. The instructions for completing the application were very clear and concise. The interest rate was good, and the terms made it worthwhile. I haven't experienced the loan repayment function, but I feel it will be a continuation of the wonderful service so far.

1 year 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.

2 years 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.

2 years 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.

2 years 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.

2 years 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.

2 years 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!

2 years 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,

2 years ago