Name: Upgrade
Rating: 4.9

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Big GW Clovis, NM

This company is very pleasant to work with. Easy forms to do and quick decisions. They constantly keep you up dated through out the process. I would highly recommend them for all your financial needs.

3 years ago

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Brenda Wade Goodlettsville, TN

This was easy! I am not real tech savvy so ease of use was important. The time it took to get the deposit was very reasonable. I would recommend your service to my friends. Thanks to Credit Karma for the referral.

3 years ago

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Leedunn28 Middletown, NJ

This was the easiest and quickest transaction ever.I applied for a debt consolidation loan.I was approved in a day and funds transferred the next.I highly recommend Upgrade .They made the whole process stress free.

3 years ago

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Arthur Hayes Atlanta, GA

I couldn’t believe it was so simple. I thought I would have to go through hoops to get an approval. I was wrong just a couple of clicks and I had a 5 figure loan. It certainly was the best experience I had!

3 years ago

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Brila Vlogs Middletown, CT

Everyone was very nice that i dealt with making all the steps of getting my loan easy and comfortable. Everything was explained to me each step as i went through the process. thanks again. Brian

3 years ago

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SJ Las Vegas, NV

Upgrade is there to help you when you need. The app and staff are very user-friendly and easy to work with. Staff is friendly and helpful. I would definitely recommend upgrade to help you with financial means

3 years ago

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Mary Asaro St Louis, MO

Best thing I have done in a long time! The process was simple, quick and amazingly easy. Wish I had done it 6 months ago and saved myself a lot of interest paid on my credit cards.

3 years ago

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Deborah Plechaty-Anderson Fairbury, IL

I found the offer for this loan on Credit Karma and the process was so quick and easy! I was surprised how quickly my application was processed and I had the money in my account the next business day!

3 years ago

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mustafa Bellwood, IL

PROS: Upgrade doesn't waste your time. You have decent credit...APPROVED, $$$ in your acct next day, simple as that. I most definitely consider UPGRADE a lending partner. CONS: High credit SCORE doesnt matter, FEES, APR shown tend to change upon accepting offer. Confusing to say the least, other than that, UPGRADE is a decent lending partner.

3 years ago

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greg byrne Rio Rancho, NM

Upgrade has been a real pleasure to work with. This is a First-Rate company. I am highly impressed with their professionalism and efficiency. I recommend Upgrade to anyone looking to consolidate their credit card balances.

3 years ago

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Leslie Smith Lubbock, TX

It was very easy to get my loan. It took a few days for the money to show up at the old loan company, so be patient. The Upgrade loan is the right size and HALF the interest rate, so I'm happy.

3 years ago

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Justin Twitty Noblesville, IN

Application process was very easy for both there credit card and the personal loan definitely keeping them around, plus there mobile app is very easy to use all around great experience

3 years ago

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Jen Roberts West Mifflin, PA

I have never acquired a loan so easily. Once my application went through, credit cards were paid and remaining balance deposited to my account within 1 week. I would absolutely recommend Upgrade!

3 years ago

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fire3hose Franklin Park, IL

My experience with Upgrade was one of the easiest and outstanding time frame applications I’ve ever done beating most of it competitors hands-down I am a very satisfied customer

3 years ago

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Makenzie Anderson Dumas, TX

Super fast approval and distribution of funds! The only down side is the origination fee, but I was prepared for that. Best experience I have had with a lender. Thank you, Upgrade!

3 years ago

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Jim Miller Midvale, UT

It was quick and easy. The reason for the load was to reduce the amount of the payment. I paid off the previous loan I had with Upgrade. I lowered my Upgrade payment about 50 dollars/month and just a slight APR increase.

3 years ago

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Heath Crum Killeen, TX

Company was super fast with getting me approved and dispersing the money to the specified accounts very quickly. Their homepage is super easy to navigate! If needed again, I will use again!!!

3 years ago

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Albie Queens, NY

This was the most convenient loan process I have ever experienced. Upgrade really helped me with my credit card debt and also helped with increasing my credit score significantly. I highly recommend this company.

3 years ago

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Liz Loveland, CO

Great experience, easy to submit request and I had answer within 48 hours! Super fast turnaround on my loan with easy to understand terms and I love the option to set length of loan.

3 years ago

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Paul Plainfield, IL

I was amazed at how fast the process was. We had our funds just days after applying. We consolidated our credit cards and finally feel we are on the right track. Thank you so much!!

3 years ago

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Boyce M Fort Worth, TX

I got my loan fast it was easy and now I have one payment instead of five much better to track and keep up with they even sent payoffs in for me, outstanding service and process.

3 years ago

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Vincent and Melissa Sherrill Statesville, NC

I have had the best experience with Upgrade. Very easy to apply for a loan and funds are distributed very quickly 2-5 days. I would definitely recommend them to anyone with a financial need.

3 years ago

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Melissa Garcia Brewer Arlington, TX

Upgrade provides a variety of financing options. From customer service to the loan process is pretty straight forward. I would highly recommend them for credit, and loan needs you may have.

3 years ago

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ABBIE JOY Gainesville, GA

Well designed service with quick, efficient results. Only issue I saw was multiple emails from various places. Got confusing, but once I figured out how to deal with only one response it was very simple.

3 years ago

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Suzy Evans Spanaway, WA

Everything was easy to do and easy to understand. However, your interest rates are very high. I'm trying to get rid of high interest credit cards, but you interest rates are just as high... only. 0.05% lower. 25.94% interest rates are highway robbery for people trying to climb their way out of debt!

3 years ago

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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

3 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.

3 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.

3 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.

3 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.

3 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.

4 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.

4 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.

4 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.

4 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.

4 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!

4 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.

4 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.

4 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.

4 years ago

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rtk14@verizon.net 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.

4 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)

4 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.

4 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.

4 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

4 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.

4 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

4 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.

4 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

4 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!

4 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.

4 years ago