Name: Upgrade
Rating: 4.9

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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

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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!

4 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.

4 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!

4 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.

4 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!!

5 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.

5 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!!!

5 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.

5 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.

5 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.

5 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!

5 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

5 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!

5 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!

6 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

6 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.

6 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.

6 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.

6 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.

6 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!

6 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!!

6 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

6 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.

6 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.

6 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

6 years ago

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Mark H Potts Williamsfield, IL

Very nice...easy application process and appears to be easy to use. I like having your credit data monitored as well. I feel that Upgrade could have been a little more up front with their insistence on having your payments automated. I prefer to make them myself.

7 years ago

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Melissa Cedar Park, TX

I was very pleased with their professionalism and performance. The loan application went smooth and their representatives responded promptly. I would recommend Upgrade for your loan needs.

7 years ago

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Steven Nguyen San Diego, CA

The loan application process is not complicated. I couldn't believe how quickly I was approved and I received the money fairly quickly. Their rate is very competitive. The company deserved the five stars!

7 years ago

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lisa c stanley Pittsboro, NC

To pay off credit cards . Got approved in 3 hrs. Received money in 2 banking days. 4 stars because the origination fee was higher than I imagined. Did not know the amount until after loan was approved and funds were "on the way".

7 years ago

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Zach Meiborg Roscoe, IL

Very easy to deal with except the verification. Needs to be mobile friendly with gmail on apple. Was out of town with no access to a computer and it slowed down funding by a full week. Was super easy to use through GH Financing, I hate shopping banks.

7 years ago

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S Reid Maplewood, NJ

The process was absolutely quick and painless! I was shocked of how quick every thing went from applying to funds in my account. I am absolutely satisfied and will work with you again when I need a loan!!! Thank you!!!

7 years ago

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Waldon Thomas Hixson, TN

Process was extremely quick and easy was extremely pleased with the quick deposit to account certainly gives a sense of relief from debit and an escape from high interest rates

7 years ago

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Lynne Woodland, CA

It was very quick and easy to apply for this loan. The decision was given within 24 hours and the funds were also dispersed within a few days. The Upgrade employees that I interacted with were very professional.

7 years ago

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Hector Morales Miami, FL

Haven't had much interactions as of yet with your institution, but do greatly appreciate the promptness in processing my application -- handled very quickly....awesome. Thanks!

7 years ago

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Carol Saint Charles, MO

It was very good. My only complaint is that no one mentioned the 5% fee before the loan went through. I was very surprised when saw the amount that was deposited in my account. I then read the flyer I was sent and found the fine print at the bottom on the back. I think that that should be printed a little larger toward the top on the front of the flyer. Otherwise you would have had 5 stars.

7 years ago

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Phillip Roberts

Top Drawer and excellent all aspects of service!

2 months ago

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Brian Jones

Great rates with quick funding!!!I would recommend!

2 months ago

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David Deeks

Very quick and professional. No problems associated with acquiring the loan.

3 months ago

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EagleOne6

Quick and easy process from application to acceptance of funds.

3 months ago

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Cam Hall Richmond, VA

Upgrade is a cool up and comer with a shiny start-up feel, but it can feel disjointed. As an account holder and even a recipient of one personal loan I'm still offered personal loans as if I'm a new customer and when I applied for the personal loan none of my bank account info transferred over. Account management is simple and easy, but overall it feels like they're still figuring it out.

3 years ago

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gricel valdez AZ

Upgrade was the first loan company I went to for a bill consolidation loan. They advertised low rates, fast approvals and easy paperwork. They did everything perfect. Customer service was excellent. The turn off was all the paperwork. Everytume I thought my loan was done it was " we still need this" or "were missing that." They were very thorough so if your in a hurry these people aren't the ones. If you can wait the rates and fees are worth it!

3 years ago

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Alice Kirchgatter Los Angeles, CA

Upgrade is amazing! The process for pre approval didn’t impact my credit and that was a big deal for me. It was such a breeze for the approval and I received my funds the following day. Their online system makes it easy to understand as to where you are with your loan. I highly recommend upgrade if you are needing extra cash for whatever reason.

3 years ago

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Ted Johnson Pleasant Grove, UT

I recently did a loan with Upgrade and it was easy to do everything online. The step by step process was easy to navigate and they gave me quick feedback on the decision. The interest rate is a little high, but fits perfectly to what I need and can get right now.

6 years ago