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.
The experience was a learning experience for me. The process was explained very good but to get it all done was a little bit hard to complete for me as had to re-due everything man times and the fact that every time I had to talk to someone it was always someone different and had to explain what I had done and why did I need to re-due it again. This took a lot of time and days to get everything done for the approval. But I did get it finished fin****.If I had to do it again I do not know if I would go through it again as had to resend by fax which ended up being expensive as I had to go and get it sent and pay for it. I had to resend this info several tim****.But I am happy it finally got approved and have my funds and using this as int*****.If someone would ask me about getting a loan from you I would recommend you but tell them they need to be able to have a lot more cell phone experience than me and could get it done faster and a lot easier.
Richard from Shreveport, LA
Reviewed in January 2021
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
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(3 of 5)stars
Could have been better
Compared to other loan companies I have dealt with, the process and communication could stand significant improvement.
Marc from Litchfield, NH
Reviewed in December 2020
LendingTree Customer:
Yes
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
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(3 of 5)stars
Recommended
It was a over all a good experience
The process was easy, but kind of slow. The people were nice though. Every one that I came in contact with spoke well. It took about two to three weeks to get a decision made though.
Robert from Hinesville, GA
Reviewed in November 2019
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
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(3 of 5)stars
Recommended
Good experience along with the knowledge experienced.
The process was confusing due in part to not having applied for this type of loan prior. Having to talk to various individuals, it was necessary to give the same info. To each one, The same individual would always ask for the last four digits of my SSN.
Don from Charlotte, NC
Reviewed in October 2019
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
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(3 of 5)stars
Recommended
Long Approval Process
I’ve worked with a few Leaders and Upgrade was by far one of the longest processes that I’ve ever had to experience. I had to follow up with phone calls and was really unclear how far along in the application process I was. I had to keep submitting documents and would have to wait 24 hrs for a response. The end result was okay, they just need to streamline the process and ask for everything they require upfront.
Nae from Los Angeles, CA
Reviewed in June 2019
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
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(3 of 5)stars
Recommended
Was decent experience.
The process took over 2 weeks to finally go through. Then I started getting algorithms popping up on FB and IG showing me special deals with APR’s lower than I was approved for with a A credit score. When I asked I got the run around. So it is what it is I guess.
Bryce from Greencastle, IN
Reviewed in May 2019
Closed with Lender:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
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(3 of 5)stars
Recommended
Good Rates. Slow Approval. Okay support
They had the best rate around but had a small fee. Overall this was my cheapest option.
Unfortunately, I did not have a good experience with the loan approval process.
They are slow and you have to call in if you want your application to move forward. Don't expect your money quickly like they advertised unless you call in every day to check on the status. Once approved funding came in 2 business days but it took a full week and several pone calls to get someone to look at my app.
Long story but here's what happened to me:
After submitting your application they ask you to submit a few documents and items online. The website has no clear indication as to whether or not they've received the documents or if they are processing them and they do not send you a confirmation email.
I had no clue whether I was done or not or whether they would be reaching out to me.
I waited several days with no change in the website interface or emails from them so I called support. On the support line you talk to the first person who picks up the phone who asks you for all your information (SS, address, phone, birthday, etc.) they direct you to someone else who, after waiting on hold for 10 or more minutes of being on hold, asks you for the exact same information. This is very annoying as I had to call in several times.
The only way I could get my loan review process moving was to call in. The first time I called, they looked and found there was an issue with one of the documents I submitted. I re-submitted, heard nothing for several days, and called back again only to find out there was some other issue. Between calls it's as if they did nothing with my loan app.
I basically had to call in if I wanted my app to move forward. Eventually it was approved and the money came through in 2 business days, which was good.
Alexander from Santa Ana, CA
Reviewed in October 2018
LendingTree Customer:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
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(3 of 5)stars
Recommended
Sharon review
Didnt take long for approval. However $500 upfront fee was not expected consider the interest rate is so high.
Sharon from Saint Louis, MO
Reviewed in July 2018
LendingTree Customer:
Yes
Loan Type:
Personal Loan
Review Type:
Lender Review
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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.
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