Name: Upgrade
Rating: 4.8

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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.

3 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.

3 years ago

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Linda De Marco Brooklyn, NY

The application was very simple everything was explained and documented fast and easy. Didn’t have to wait forever loan was approved immediately and was sent fast. People there are very helpful I would recommend upgrade to anyone who needs a loan

3 years ago

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Joaquin Montez Broomfield, CO

I really like that they offered me a loan based on my credit and not having to have collateral as well. The process only took a few days which was very nice. The loan helped me to pay off a couple of credit cards for me and my wife to lower a big chunk of our monthly bills

3 years ago

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Angela Scott Mount Holly, NC

Getting my loan was such an easy process and layout was quick. My credit score jumped up 40 points after paying off my credit card and paying most of another one off. I will also be saving money every month. I am very pleased. Thank you Upgrade for peace of mind!

3 years ago

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Justjack Pittsford, NY

Upgrade’s loan approval process was quick and easy and I also felt, thorough. The loan amount I was approved for was comissariat to what I required and what I was qualified for. Their web site was easy for me to setup autopay. I’m very satisfied.

3 years ago

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Tracy Colby Mesa, AZ

The aspect that Upgrade is willing to take a chance on me right after a bankruptcy gave me hope. I am only giving 4 stars because the loans are at 25% interest. I understand the reason and as time goes by, the interest rates will come down as I demonstrate my payment history and Bility to handle my credit situations. Upgrade has been kind and respectful in all dealings with me. Great company!!!

3 years ago

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Bonnie Camarena Lancaster, CA

This company was the fastest working business that I have ever dealt with. From the online application to submitting documents. It was all done in less than 10 hrs. In one day the loan was funded. Seamless! I am very impressed.

3 years ago

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Rhonda Johnson Minneapolis, MN

Upgrade was so easy - I applied one day and within hours the paperwork was complete. Since I applied on a Friday, my funds were available on Monday. If I had applied during the week, it would have been available the following day. Amazingly easy! One of the best loan experiences I have ever had.

3 years ago

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A B Minneapolis, MN

The application process was easy and the terms were spelled out accurately. I did reduce the rating due to the process following the application. Communication via email was cumbersome and the approval process was slower than anticipated. At one point, I feared that Upgrade might not be a real lending firm and my personal details were compromised. Luckily my fears were put to rest and the loan was funded after a week or so.

3 years ago

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Judyann Kubiak Shrewsbury, MA

Looking to lower my debt at a good rate and found it with Upgrade. Process was quick and effortless and even received a lower rate when I opted to have my debt paid directly from Upgrade to my credit card company. Received funds in a short period of time and now hoping to get my finances on track and save for the future. Thank you Upgrade!

3 years ago

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Anthony Las Vegas, NV

The process seems to be improving. Whereas last time I applied for a loan, it took weeks to successfully process, this time required less than a day. The only issue I had was that it took over a week to fund the payoff of another loan I had. In retrospect, I should have just taken the money and paid it myself. It would have been faster... All in all though, this was an easy and fairy efficient experience. I would do it again if necessary.

3 years ago

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Valerie Reed Clementon, NJ

I cant believe how simple and quick the process was. At one point I had a question so I called customer service. The representative was patient and kind. She was knowledgeable and able to answer my question without hesitation. Uograde is a blessing. With the consolidation loan I was able accomplish my financial goal.

3 years ago

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Kristine Polese Edison, NJ

I feel like I can finally take a deep breath, knowing I took control over my debit. This was the easiest process to do and turnaround time was excellent. I can’t say enough about how much I would recommend upgrade. Thank you just doesn’t seem enough.

3 years ago

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Sandy Pierantoni Round Lake, IL

Upgrade was phenomenal. The application process was easy, transparent and quick. And in a blink of the eye, I knew my approval status and the rate I would receive. They were equally quick in getting my items paid directly with great communication. I am highly impressed and fully recommend them.

3 years ago

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Linda Xiong Sacramento, CA

I find the experience to be easy. The only thing I want to mention is that when I had the debt loan send payments it took awhile for my cards/bank to receive the money but there was nothing to let me know that “hey, it’s still processing so don’t worry”. I do know that there was a description stating it will take a few days but nothing on the daily. Not a big problem but, just some feed back. 👍🏻

3 years ago

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Horton PhD. Indianapolis, IN

This personal loan was done in an efficient, thorough, and quick manner. The cash requested was deposited in my bank account to pay off one of my credit cards. The interaction via email has been outstanding! Please continue with your excellent customer service! I am well pleased with the service the company has provided.

3 years ago

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Rosa Germosen East Providence, RI

Upgrade was one of the first companies that gave me a chance, took a loan and paid off some debts and I felt so relieved, so thanks Upgrade. Now I took another loan now , hoping to pay back soon. Great people, I would recommend 100%

3 years ago

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Phillip Boutwell Mobile, AL

Best loan company ever . Easy process to apply and almost as easy approval. I now have 2 loans with Upgrade both with low monthly payment s . The help when I needed it . Will be a customer for life . Thank you Upgrade for the help!!!!

3 years ago

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Karencita Z Cedar Hill, TX

So far it was not hard at all to get a loan with upgrade I was offered a loan and a line of credit so now I’m able to keep my finances in check. I am one of those persons that I am capable of making monthly payments but I was not able to consolidate my payments due to credit score but with upgrade It gave me the opportunity to do it

3 years ago Edited September 14, 2021

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Laramie and Margie Beck Ada, OK

It took a month to finalize the loan. It took minimum of 3 days to get an email response and an hour or more on hold on the phone when I was told I had to call to finalize. May want to step up the amount of employees to meet the volume of incoming communication. I was very pleased to get a loan, when most companies turned me down. So I am pleased in the end, but the process needs work.

3 years ago

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Caring Human Being Wyckoff, NJ

It was so easy, convenient and fast. The whole process was not stressful at all and I was approved for my loan very quickly. The whole experience was very straightforward and convenient. I strongly would recommend applying to Upgrade to anyone who needs a loan for any reason.

4 years ago

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Blaine Sylvania, OH

I was impressed with the very thorough vetting process. They took great pains to ensure that I was who I said I was. In these days of rampant identity theft, it is comforting to see a company go the extra mile to ensure applicant integrity.

4 years ago

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Raul Sostre Richmond, VA

Words can not describe how valuable and awesome Upgrade is to me. I got approved for a credit card and got approved for a bank loan for home improvements. This has turned out to be a blessings in some many ways applying for Upgrade. Better than all credit banks combined!!

4 years ago

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George Cooley Salt Lake City, UT

It was One of the easiest lones I had ever done, The associat I worked with was AMAZING HE IS AN ASSET TO YOUR COMPANY AND I HOPE HE IS DOING WELL IF AT ALL POSSIBLE AND HE IS STILL WITH YOUR COMPANY I WOULD LOOK FORWARD TO WORKING WITH HIM AGAIN I DON'T REMEMBER HIS NAME MAYBE YOU COULD LOOK BACK AND HAVE HIM CALL ME THANK YOU

4 years ago

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David Reisenbichler Benton Harbor, MI

Overall a very easy process start to finish. I compared Upgrade to other companies and they offered the lowest interest rate. I approved the loan app on a Sat and Monday morning my money was there. Now my collections are all consolidated and off my credit report, and I’m saving money monthly as well with the payment.

4 years ago

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Yolanda Williams Arlington, TX

The application process with Upstart is easy and the website is honest!! All questions about fees and interest rates are answered upfront!! I would encourage any one that need a loan to go with Upstart you will not be disappointed!!

4 years ago

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Ardelle Faralli Sicklerville, NJ

Customer service was great & very helpful. Didn't take long to get approved & receive the money in my account. My credit cards I chose were paid off quickly. I've paid off other expenses & I feel good that I only have one monthly bill to pay instead of multiple bills. Thank you Upgrade so much!

4 years ago

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Clara Goodreau Kansas City, KS

Upgrade was very professional. This loan went through very fast, with no problems. They were very friendly and very helpful. All taken care of on the internet and a phone call. I really appreciate all the help and how fast it all took place. Thank you so much, CG

4 years ago

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JW ,

It was very easy to get the loan. The process was quick and painless. The terms were fair and repayment was very easy with the automatic withdrawals from my checking account. If I need to change the date of the automatic withdrawal I have that option as well. I am very pleased, this is my 2nd loan

4 years ago

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Lee Blanchard Absecon, NJ

Approval in 1 day. I received funding the following day, and the cards I consolidated were paid off within 3 days. Great application process, quick approval and a VERY competitive rate. I would definitely recommend Upgrade!

4 years ago

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Anita Sanders Forest Park, IL

It was extremely easy to apply and receive the loan & everything was done electronically and the funds were distributed sooner than anticipated. The interest rates are better than another company that I used previously and is allowing me to consolidate my loans. Great Company! I am very pleased with my service !

4 years ago

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Robert Ponticelli Tucson, AZ

I enjoyed the entire experience. Follow through was steady and quick. No pressure, just a comfortable feeling. I knew that I was dealing with a top notch company. I would not hesitate to recommend them to any family member or friend.

4 years ago

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Awesome Bert Snellville, GA

It’s been awesome to begin getting back in financial order! Upgrade is a great technology platform that’s made it so seemless and easy to accomplish what I needed! Appreciate the opportunity to partner with the folks at Upgrade!

5 years ago

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C.S Issaquah, WA

Smooth and easy process, Upgrade did their best to ensure everything went smoothly with little to no hassle. The representative I spoke to was very helpful and contacted me right away to troubleshoot additional information that was provided on my end.

5 years ago

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Hector Bethany, CT

With so many scammers out there, I was a little apprehensive in giving all of my personal information, but I took a chance and everything has worked out as promised. The process was super easy and I got a quick decision and the money was deposited in my account as stated. Would definitely recommend.

5 years ago

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Bonnie O. Union, SC

I applied for a loan that was needed in an emergency and I felt that Upgrade processed my application swiftly. I was able to attend to the emergency and did not have to worry about being approved. The loan was also funded in a timely manner.

5 years ago

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Randy Pinedale, WY

My experience with Upgrade was extremely pleasant and professional. Everything was approved quickly and my money was put into my account in a timely manner. I was treated as a human being not a robot, the Upgrade team I worked with were very friendly and professional.

5 years ago

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Adrian de Jesus Hayward, CA

Applying was very easy and straightforward. I was able to get the best interest rate for the most amount of money. Accepted prequalified rate and $ on Wednesday night and woke up Friday morning with the money in my account. Will recommend every time you need a personal loan.

5 years ago

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Mattie Shelby Chicago, IL

Wow it was not a complicated process just a few major documents such as proof of income W2 ‘s things of that nature and your bank routing information and your checking account number and it was like magic what a wonderful experience

6 years ago

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Stacey Columbus, OH

I was pleasantly surprised at how organized and simple it was to apply for my loan. I needed to make a call to customer service, and both times I spoke to someone friendly, professional, and helpful. I'm happy if this is the new generation of how a loan application/process should be done properly.

6 years ago

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Michael Utica, NY

Upgrade customer service is very good - everyone I ever had contact with was very polite and answered all questions - the loan process takes a little longer than other companies I have dealt with, however their interest rates were far better than most - if you are in need of a loan other than traditional bank loans , I highly recommend upgrade.

6 years ago

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Michael TK Marshall, MI

This was the easiest and fastest loan ever taken out. From the initial application to the money deposited was about 2 business days. Amazing! I applied on a Thursday and Monday morning the money was in my checking account. Now that's customer service!

6 years ago

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Katherine M. Laurelton, NJ

Upgrade's website is user friendly which made the application process quick and easy. The representatives are courteous and detail oriented, which was a comforting factor. They demonstrated professionalism with integrity, I highly recommend Upgrade to everyone and will definitely refer their services to friends and family!

6 years ago

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Jon Colvin Albertville, MN

I needed money fast to finish my basement , because my parents in bad health were going to move in. Other banks were telling me No and giving me run around. Talked to Upgrade on the phone after I got a flier in the mail, and it was quick. Had money in my bank within a few days. Thank you.

6 years ago

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Sheila Jacksin Triangle, VA

I experienced a simple, but thorough process. Everything was securely received and processed in a timely manner to include receiving the funds. The funds were actually received two prior to the timeframe noted. No complaints at all. Job well done!

6 years ago

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Denise Graves

The quick response and how quickly I had my money. Very easy set up and easy to apply.

3 months ago Edited February 10, 2025

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Marcelo Demello

The hidden fees are absolutely unacceptable. They financed $3,600 at exorbitant interest rates, and on top of that, I was charged $400 in fees. Ultimately, Upgrade only deposited $3,200 into my checking account, which is completely unfair.

5 months ago

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J. Monarez

The loan application process was very simple and timely. When searching for the best online APR and terms offered, UPGRADE came out in front from the rest of the pack! Thank you!!

1 year ago