About Us

Our Goal

Our goal is to offer our users more value and a better experience than they receive from their traditional bank. We fulfill that goal with affordable and responsible loans and cards, and no fees and high rewards checking accounts.

Who We Are

Who We Are

Upgrade’s founding team pioneered fintech 15 years ago. In 2017 we launched Upgrade to offer our users more value and a better experience than they receive from their traditional bank. In the last four years, over 15 million people have applied for an Upgrade Card or loan through Upgrade, and we have made over $7 billion in affordable and responsible credit available to our customers. Our innovative Upgrade Card combines the flexibility of a credit card with the low cost of an installment loan. Our latest offering, Rewards Checking, gives customers access to no-fee checking accounts with 2% cash back rewards on common everyday spending. Learn more about the team.

How We Help

How we help

Our customers get the most value by combining Rewards Checking with affordable loans and cards, free credit monitoring, and credit education tools.

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc