Get a personal loan up to $50,000 with a low, fixed rate
Checking your rate is free and won’t impact your credit score.
8M+
Customers
$50B+
Borrowed
50K+
Reviews
Rewards Checking Preferred
The checking account with cash back
No monthly maintenance fees
- Up to 2% cash back on purchases
- Get paid up to 2 days early with direct deposit
Personal Loans
Get the funds you need – sent directly to your bank account – within a day of clearing verifications
Achieve more with fast funding
- Fixed rates and predictable payments
- Pay off your loan at any time, with no prepayment penalty
Flex Pay
Spread the cost of your trip over manageable, monthly payments.
Buy Now, Pay Later
- Quick application, fast decision
- Shop with hundreds of travel and retail partners
OneCard Essentials
A cash back credit card for everyday purchases
No Annual fee
- 3% unlimited cash back on gas, groceries, streaming, and utilities
- 1% unlimited cash back on all other purchases
From our customers
Manage your money on the go with the Upgrade app
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Or call us at
(844) 319-3909Monday - Friday, 5:00 AM - 7:00 PM PT
Saturday - Sunday, 6:00 AM - 5:00 PM PT