About Us

Our Goal

Our goal is to offer an online and mobile banking experience that delivers exceptional value, including affordable loans and cards, and helps our customers make good financial decisions so they can build the future they want.

Who We Are

Who We Are

Upgrade’s founding team pioneered fintech over a decade ago. In 2017 we launched Upgrade to create a mobile banking experience that delivers exceptional value to our customers by offering affordable and responsible credit through cards and loans and market-leading rewards. In four short years, over 15 million people have applied for an Upgrade card or loan, 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 mobile banking 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

For other inquiries, contact us at