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.
It has been over a week and still no deposit showing in my account with my loan proceeds. I contacted them and they cant tell me why and where the money is at.
Amanda from Aiken, SC
Reviewed in December 2021
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
(1 of 5)stars
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.
John from Chugiak, AK
Reviewed in July 2021
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
(1 of 5)stars
borderline scam
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.
James from South Point, OH
Reviewed in June 2021
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
(1 of 5)stars
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!
LaRae from Chicago, IL
Reviewed in June 2021
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
(1 of 5)stars
Not a good start
Upgrade was to pay off an existing loan I have with another company and have not yet made the payment. This is not a good beginning of my relationship with Upgrade.
Carol from Laurel, MD
Reviewed in March 2021
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
(1 of 5)stars
Not happy
It was horrible that I was forced to join the PenFed credit union. Plus the PenFed credit union agreement did not even have a phone number listed. It took me talking to 3 different people at Upgrade to get the number. I will never recommend your company!!!
joseph from Trappe, MD
Reviewed in March 2021
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
(1 of 5)stars
Bad customer service/experience
Not a good customer exp********.No one called me to inform me of anything. I had to call in every time just to get a update. You have to agree to allow this to take your monthly payments out of your account..I didn't like that, giving them full access to my account.. I will pay this loan off and never use them again.
LaRon from Austin, TX
Reviewed in January 2021
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
(1 of 5)stars
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?
Jessica from Dayton, OH
Reviewed in February 2020
LendingTree Customer:
Yes
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
(1 of 5)stars
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.
Patricia from Hollywood, FL
Reviewed in February 2020
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
(1 of 5)stars
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 !!!
Toni from San Diego, CA
Reviewed in February 2020
LendingTree Customer:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
Do you want to flag this review?
×
Thank you for sharing your experience
Here are a few tips for writing a top-notch review for a company in our marketplace:
Do
Don't
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 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 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.
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.
Let's answer a few short questions and see what offers Upgrade, Inc. and other lenders may have for you.
