Personal Loans



About Upgrade

Upgrade offers personal loans for large purchases that can also be used to consolidate debt. Loans by Upgrade have low fixed-rate APRs, no prepayment fees and flexible payment dates. They do charge origination fees and have penalties for late payment.


Loan Amount
Up to $50,000
Interest Rate
6.55% to 35.97%
Loan Terms
Within one business day
Years in Business
Since 2016
Verified company

Editorial Rating


“Upgrade is a flexible option for consumers who need personal loan funding for large purchases or debt consolidation. Although they offer fast funding, they do charge origination fees.”

Benefits and Features

No Prepayment Fees
No Fee to Apply
Low fixed-rate APR
Fast funding


  • Option to change your payment date
  • Offers a wide range of loan amounts
  • No prepayment penalty fees
  • Offers joint applications


  • No rate discount for autopay
  • APRs can be higher than other lenders
  • Charges origination and late fees
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Contact is not a provider of debt consolidation or resolution. Ratings that appear on this site are determined by our subjective opinion and are based on an analysis that aggregates a company’s reputation, services, general consumer interest, fees and features. Listings that appear on this site are not endorsements.