About Us

Our Goal

Our goal is to deliver a new kind of banking experience that seeks to eliminate fees on everyday transactions, offers access to low cost loans and cards, and helps our customers learn about their finances 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 new banking experience that seeks to eliminate fees on everyday transactions and offer access to lower-cost credit through cards and loans. In 2 short years 8 million people have applied for an Upgrade card or loan, and over $2 billion in affordable credit has been extended to our users. Our latest innovation, Upgrade Card, launched in October 2019, combines the point-of-sale convenience and flexibility of a credit card with the low cost and predictability of an installment loan. Learn more about the team.

How We Help

How we help

We believe users will get unique value by combining a new banking experience that seeks to eliminate fees on everyday transactions with access to affordable and responsible credit products, free credit monitoring, credit alerts and education tools.