4.8 of 5starsRead 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.
Very poor experiance
Applied for a loan with Upgrade and went through their web process, which was less than well laid out. After filling in all the required information, and getting notified that all was done, I continued to see the complete to do's message. Tried to call the support line and after being on hold for over an hour and a half, I gave up. Tried the line again the next day and was avian on hold for so long I hung up. Sent an email to support and did not hear back from them for more than a week!
I went to different lender and was funded withing 3 days.
I was contacted by upgrade for a loan request after filling out their forms and advised I was approved for the amount requested however, they take finance charges out up front and would receive a lesser amount. I advised the loan amount was specific to the purchase and would not work for me. They said they would cancel it. I took a loan with another company and was all set. I get an email 2 weeks later staring my upgrade loan was approved and being transferred to my account. I responded to the email stating no and to cancel as discussed. I received no response and on monday got a hard credit inquiry from upgrade and an additional notice of funds transfer. I called and waited on hold 2 hours to finally speak with someone who told me they had no idea how it happened and setup a payment back to them and stated they would cancel the loan upon receiving payment. Payment went through I get another email a few days later reminding me the first payment would be auto drafted in 2 weeks. I called again and waited an hour and half to be told first person did it as a payment not a cancelation and would redo the request. Still waiting for loan to be cancelled. They are impossible to get ahold of and you have to harass them to get anything done. Plus a denied loan for 11,500$ was pit through despite denying it.
It was a bad experience
My first email said I was approved then I got a second email saying that I wasn’t! It took four days for the money to hit my account after I was told the longest wait would be up to 48 hours………. NOW I DONT NEED THE LOAN IM HIGHLY DISAPPOINTED!
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