About us

Upgrade helps you make smart financial decisions so that you can reach your goals - like buying an e-bike, fixing the roof, or finally paying off that new fridge - all without getting trapped by endless revolving credit card debt or sidetracked by sneaky banking fees.

We believe credit should be affordable and responsible - so we design all our credit, mobile banking and payment products to do three things:

Give you responsible options.

Keep you on track.

And reward you along the way.

The way it should be.

In just the last nine years, we’ve made over $50 billion of credit available to our customers. Millions of families use an Upgrade card, personal loan or deposit account. That’s millions of people getting more value than they would from a traditional bank, and a better experience, too.

Learn more about the team.