Upgrade, Inc.

Lender Summary

Upgrade is an online lending platform that combines personal loans with free credit monitoring, helping you secure more affordable credit now and in the future. We offer affordable personal loans of up to $50,000 with low fixed rates that will never change.With Upgrade you get fast funding – we’ll send the money to your bank account within a day of getting approved, pending verifications. You can use your Upgrade loan to pay off high interest credit cards, make a large purchase, finish that home improvement project, or almost anything! With automatic payments and a customizable due date, managing your account is easy and you’ll be able to circle the date on your calendar when you’ll be debt free.

What they're saying

Ratings & Reviews
1909 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

If you are self-employed, don't waste your time

Terrible experience. If you are self-employed, don't even waste your time. They wanted all kinds of documentation, including bank statements, 2 years of tax returns, etc Their website didn't work in uploading it, so I sent it to a designated email address. But they kept asking for the same information over and over again. After weeks of back and forth, they told me I didn't have enough income to qualify. That's because they were looking at my 2015 and 2016 schedule C taxable "net profit", instead of my actual 2018 current income and cash flow. I asked how much I could qualify for, but they couldn't tell me, saying instead to just try again at a lower amount, and submit all the same documents again. No thanks.

Hi Gene, we regret that your experience with our process was less than exceptional. We appreciate you taking the time to provide us with feedback so that we can further understand how to improve our customer experience. In regards to our credit standards for self-employed applicants, we do publish a detailed tutorial on our website that is intended to assist self-employed applicants in estimating their income for purposes of completing their application. It’s contained in our Help Center (which is Linked at the bottom of our homepage). You can find the article here: https://upgrade.zendesk.com/hc/en-us/articles/115002608833-FAQs-for-Self-Employed-Applicants Should you have additional questions or concerns feel free to reach our Customer Support team.
  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Great Loan Experince

The process was fast and I received the funds within 2 days from applying for the loan.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Easy Processing

All aspects of the loan process were logical and fast.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Small Business Loan
  • Review Type:

    Lender Review
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Upgrade, Inc.

Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.

LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Upgrade, Inc.

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