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 $35,000 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. 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
1587 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Good
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

A godsend - and Not A Scam

The biggest problem I had aside from grappling with a completely rotten visa company that refused to lower it's APR rates below 25% for years (causing any money I put into it to simply go straight to their pockets, not lowering any debt) ... was trying to find a Loaning company that wasn't a scam.
After checking most of the loan mailers I received for months, my eyes just crossed at the magnitude of scams out there.
And finally - I found UPGRADE.
So I'm writing this out of sheer gratitude, relief, and to point out to any prospective people in need of loans: if you're looking, this is one of the rare, real, good guys. At least for debt consolidation, which I received my loan for.
Google UPGRADE Inc to learn more.
From my experience UPGRADE's paperwork and terms are easy to read and straightforward... and they lock-in the APR rate. No floating APR. No hidden costs. You'll see that when reading the fine print.
What you owe is up front, with no hidden charges. What a concept.
The paperwork is also explicit about where sharing of your info will happen, and exactly how to opt out of each situation.
The only question I had when applying was UPGRADE's requirement to sign-up with a Credit Union, because I never had a loan before and didn't realize that they use other institutions in order to field their loan. That credit union comes with straightforward easy to read paperwork too.
HOW I FOUND UPGRADE:
After being at a complete loss from most all of the mailers proving to be scams upon cursory google checks, and my pockets strained by that horribly greedy visa company, I just googled "best loaning company" and got Lending Tree with magnificent revews up at top ..... and Lending Tree provided me with 4 loaning company options, from which I chose UPGRADE.
I googled each loan company Lending Tree offered .. they all had really good reviews.... UPGRADE was the one I picked because they were relatively new (founded 2017) and yet had many, many excellent reviews (read: fewer people to hide bad reviews behind; easier to see if there are bad reviews) and their rates were not trying to be lower by another company by 0.1 % ... They were good rates that fit my needs right on, and answered my loan request. Their straightforward, easy to read paperwork sealed the deal.
And all has gone through beautifully.
Thank you. Thank you. Thank you.

  • Closed with Lender:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

So easy and fast

Super impressed with how quickly I was approved and the money in my account. Will for sure come back if I ever need another loan

  • Closed with Lender:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

It was an excellent experience

The entire process of with Upgrade was quick, Upgraded keep you updated on each step of the process. I will not hesitate to recommend Upgrade. Thanks for your service.

  • Closed with Lender:

    Yes
  • Loan Type:

    Personal 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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