Personal loans for major purchases up to $50,000

Credit cards often come with high variable interest rates that can increase at any time, making it hard to predict the true cost of a purchase and when you'll be able to pay it off. When a specific purchase cost is mixed in with other everyday expenses, it becomes even more difficult to plan and track.

A personal loan through Upgrade gives you a fixed rate and fixed monthly payments so you know exactly how much you're paying each month and can circle the date on the calendar when it will be fully paid off.

Read more about the pros and cons of paying for unexpected expenses with a personal loan, credit card and more.

No, checking your rate won’t affect your credit score because we only perform a soft inquiry. Only you are able to see soft inquiries on your credit report.

Hard inquiries may impact your credit score and can be viewed by third parties.

Soft inquiry:

• Checking your rate to see what personal loan offers you may qualify for
• Accepting your offer

Hard inquiry:

• Funding your personal loan through Upgrade

Yes — you can make additional payments at any time with no prepayment fees. Pay off your loan ahead of schedule and save on interest without any penalties.

Check out this blog article for more tips on how to make the most of your loan.

You can borrow between $1,000 and $50,000 with a personal loan through Upgrade — enough to cover everything from new appliances and electronics to wedding loans and moving costs. You should receive your funds within a day of clearing necessary verifications .

Getting started is simple. Check your rate in minutes with no impact to your credit score and no obligation. If the loan fits your needs, complete your online application. Once you've submitted any requested documents and completed the verification process, you should receive your funds within a day — so you can make your purchase right away.

A personal loan through Upgrade can be used for almost any major purchase. Common uses include furniture and appliances, electronics and home office equipment, wedding financing and special events, and moving and relocation expenses. 

Personal loans are a popular option for wedding loans and relocation financing since they offer fixed payments and a clear payoff date. As long as it fits within your approved loan amount, you have the flexibility to use the funds however you need.