4.8 of 5stars1068 Reviews
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.
Would not recommend
When I was going through bereavement of 3 family members at separate times, during the course of a 7 month window, I reach out to Upgrade for assistance on spreading out the bill payments or even diverting even one payment. The response I received was since it was already set in, they would not change any payment plans or divert even a payment. To add salt to the already really raw wound, even after telling them that I having financial hardship as well as bereavement they still even stated "We are willing to loan you more money". I'm sorry, at what point did I say I needed to borrow MORE money. I was willing to work with them, but clearly they only care about money and not people. Therefore, even in the future, as this loan was paid off by other means, if I ever have the need to borrow money and even if they have the best rate there, I will be hard pressed to even consider them. If they do not care about people, why would I want to deal with that type of company?
Closed with Lender:
The process was easy. However, I did not fully read the disclosure statement and so did not
realize that a significant fee would be taken off the top of my loan.
I was blindsided and upset by this. It was not mentioned at any other time during the process
for the loan. In the future, I believe it needs to be mentioned outside of the disclosure statement.
Closed with Lender:
I researched this company for over 2 weeks, met all the requirements and was still denied this morning. They require a minimum credit score of 600 and mine is around 695 and was still denied. DON'T waste your time. I had a bankruptcy a year ago but it is discharged. No credit cards, no car payments and my score is decent but still denied. I am still in disbelief even as I write this and I was only asking for 5K !!!