Name: Upgrade
Rating: 4.9

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Sheila Burns Dickson, TN

Upgrade was so easy. Very efficient and helpful. I was able to combine some debt and allow them to submit the payments for me. Upgrade made this such a simple process. Will definitely use them again!

3 years ago

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TH Whittier, CA

Wow! Upgrade was an easy process, over the phone. They dod a soft credit check and emailed offers to review. Once I selected the best option for me, I was approved and funded the next day.

3 years ago

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ray kellum Chicago, IL

One of the best experiences I've had in quite some time. Very easy process with updated access. The amount of loan was great and transformation was fast. Awesome loan to apply from.

3 years ago

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Peggy Milton Carrollton, TX

The thing I appreciated most was the communication during the application process. I was kept apprised of the progress and informed when there was something I needed to complete.

3 years ago

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MariaDeV Roseburg, OR

I did a debt consolidation loan and the whole process was simple and quick. I was able to select the best terms and options available to me and choose when and how my payment would be taken out. Thanks Upgrade!!

3 years ago

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Cmillersr Mesa, AZ

It is a fast easy way to apply for a loan either by phone or online.I have done both and it was friendly and fast with no hassles at all. I’m completely satisfied with Upgrade and thank you

3 years ago

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Penny Davis Vancouver, WA

I was skeptical when I first applied and expected a long drawn out process. Much to my surprise the process was quick and smooth and funds were deposited quicker than I thought they'd be. Wonderful experience!

3 years ago

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Gilbert Hanford, CA

Quick, simple and easy! There was an invitation to apply for a Visa card. I did and was approved and as a new customer, they initiated to give me another loan to pay other credit cards.

3 years ago

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Hannah Garison Chicago, IL

This was the best decision I’ve ever made. Took no time at all, wasn’t bombarded with numerous phone calls, and it was the simplest process. Highly recommend and thankful I stumbled upon upgrade!

3 years ago

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Robert George Sevierville, TN

After some problems with computer I was able to get the loan I was looking for. Upgrade had the best rates for what I needed and was able to get cards paid off so there is only one payment and at a much lower rate.

3 years ago

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G.H.F Frisco, TX

Upgrade is transparent in presenting its products and the associated costs for the term of the loan. Very easy to initiate and complete the loan process. I would use them again.

3 years ago

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Jerrica James-Wallace Houston, TX

Approval fast and consistent, paid my credit cards down and had a little extra left over, not to mention the monthly payment is very reasonable. I highly recommend this company

3 years ago

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Brenda Newago Eau Claire, WI

This process was streamlined and helpful. Using Upgrade is not only easy but included are resources in how to pay off the most harmful debts first. I definitely would refer my friends and family to Upgrade.

3 years ago

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Anna Seattle, WA

Upgrade is quick and easy to apply specially when it comes to personal loan. I got approved right away but it took me about a week to get the money to get deposited into my account.

3 years ago

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barry shapiro Dover Plains, NY

Had a positive experience with my personal loan,but a negative experience withThe Upgrade Card personal credit line.They had me approved before they included a extra condition to join a credit union of which I objected,so I had my app withdrawned.Then I was invited to re-apply and then turned down.I have positive credit experience with a still active upgrade card account but they will not allow me to access the account

3 years ago Edited July 29, 2022

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Disaster Das Montreal, QC

Upgrade has been extremely pleasant to deal with. The entire loan application process is easy, efficient, and painless. This is my second Upgrade loan and I highly recommend them.

3 years ago

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nancy clark Chicago, IL

it was quick and easy, showed interest rate and montly payment amount. all information you needed to know about your loan. web site very easy to find things, if yu have questions.

3 years ago

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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!

4 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

4 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!

4 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.

4 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!!!

4 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.

4 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.

4 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!!

4 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.

4 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.

4 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.

4 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.

4 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!

4 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

4 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.

4 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.

4 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.

4 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.

4 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