4.8 of 5stars1065 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
1065 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 2 star reviews | Show all reviews

It took 3 weeks, lost the house, I told them how important it was to get done asap!

The review department lacks some interest, they continuously asked for the same documents for a week and a half, never 1 time did they explain what was wrong with the documents I was uploading and emailing to them every day. The exact same documents. They just kept asking for them to be uploaded. It would have made my loan go much faster. I emailed and asked several times what was wrong with the documents so I could speed up the process that time was a serious issue on this loan. But no one ever told me anything other than they were sorry I was unhappy with their service. The problem is I have lost the house I was trying to buy it was a foreclosure and by the time they got it out of review and approved it took 2 weeks. On the day they wired the money and I could prove I had the funds my time had run out, the house went to the next bidder. Now I have a loan I don't need. I have to move and have no house to move into. This could have simply been taken care of if they had just answered 1 email with how to fix the issue they had with the uploaded documents, I still do not know what the problem was no one ever said anything and I kept resending them I could see them and read everything on them. So what do I do now? I really think when somebody tells you they chose a personal loan to get this done faster then you might want to help them get it done. This loan took almost as long as a mortgage loan and I should know my fiance does them for a living. Had I know this was a problem I would have let her do the loan, I would have a house instead of a lump of money!

  • Closed with Lender:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

It was a fair experience.

Application process was quick and easy. Getting my money after approval, was different. There was a mistake in my routing number. This took 4 business days to show as rejected (7 total with holiday and weekend). After correction, it took another 2 days to get the money in my account, for a total of 9 days. In my opinion, an electronic transaction from one financial institution to another, shouldn't take almost 10 days.

  • Closed with Lender:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Ok if your in dire straights for money

Quick transaction. Not thrilled that on Top of the interest they take $800 out of your loan for themselves. Seemed almost unethical to charge you that much for a fee on top of everything else.

  • Closed with Lender:

    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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