How do I apply for a personal loan or an Upgrade Card?

Applying for a personal loan or Upgrade Card is quick and simple. It’s free to check what you may qualify for and applying won’t impact your credit score. First, we’ll ask for some basic information about you, along with your permission to obtain your credit report from one or more consumer reporting agencies. Based on that information, we’ll show you any personal loan or Upgrade Card offers that you might qualify for.

Get started on your personal loan or Upgrade Card application now to see what you may qualify for!

Articles in this section

• Are the personal loan rates fixed or variable?
• Can a personal loan or Upgrade Card be used for school?
• Can I apply by mail?
• Can I apply for another personal loan through Upgrade?
• Can I change my instructions?
• Can I include additional income?
• Can I include household income on my application?
• Can I increase my loan amount after I’ve already selected an offer?
• Can I mail my documents to you instead?
• Can I use my entire loan to pay off my credit cards?