About Us

Our Goal

Our goal is to help you understand and unlock your credit potential and lower the cost of your credit so you can build the future you want.

Who we are

Upgrade, Inc.

Upgrade’s founding team pioneered online lending on the premise that an online platform would operate at a lower cost and deliver a better customer experience than traditional banking. In 2016 we created Upgrade, a platform that combines a decade of online lending experience with the latest technology to further reduce the cost of credit, and deliver access to new products designed to help consumers better understand their credit and make responsible credit decisions. Learn more about the team.

How we help

How we help

We believe that combining affordable credit with free credit monitoring, alerts, and education features makes us more helpful to more people. You can enjoy these features separately or together, either way we’re hoping that a better understanding of your credit potential and ongoing credit tips will help you secure more affordable credit in the long run.

Our Offices

San Francisco

San Francisco

Headquarters
Phoenix

Phoenix

Operations Center
Montreal

Montreal

Engineering Center
Chicago

Chicago

Engineering Center