Upgrade Personal Loan



Upgrade Personal Loan Offer Details

  1. 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.
  2. Affordable loans from $1,000 to $35,000 with low fixed rates from 7.99% to 35.97% APR*
  3. Flexible loan options that fit your budget: you can explore multiple options and pick the loan amount and term (36- or 60-months) that fits your budget and timeline.*
  4. You can use your Upgrade loan to pay off high interest credit cards, make a large purchase, finish that home improvement project, or almost any life event!
  5. Fixed rates that will never change.***
  6. Fixed rates and fixed term, so you get a clear payoff date that you can circle on your calendar.
  7. Transparent terms and absolutely no prepayment penalties
  8. Funds delivered to your bank as single lump sum that you can use for almost any life event.
  9. Time to Funding: 1-7 days**
  10. Optional automatic payments to help keep you on track. You'll never have to worry about remembering to schedule your monthly payments.
  11. No obligation and no impact to your credit score when you check your rate
  12. Quick online application -- get pre-approved in just minutes
  13. Get access to free credit monitoring, alerts and features to help you understand your credit and unlock your full credit potential.


* Personal loans made through Upgrade feature APRs of 7.99%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at . https://www.upgrade.com/lending-partners/

When using bullets about fast funding the following disclaimer must be included (can be a footnote)

** Accept your loan offer and your funds will be sent to your bank within one (1) business day of clearing electronically or designated account necessary verifications. Availability of the funds is dependent on how quickly your bank processes transaction. From the time of approval, the funds should be available within four (4) business days. All loans made by WebBank, Member FDIC.

When using bullets about “rates or payments” that will never change (can be a footnote, can be added to the first asterisk above)

***Late payments or subsequent charges and fees may increase the cost of your fixed rate loan.