4.8 of 5stars1068 Reviews

Upgrade, Inc.

  • Recommended Lender
    Recommended 98%
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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
1068 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 1 star reviews | Show all reviews

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?

  • LendingTree Customer:

    Yes
  • Closed with Lender:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Unhappy experience

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:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

SHOCKED!!

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 !!!

  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review
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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.

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