No application fees or upfront fees

There are no fees to apply for a personal loan or Upgrade Card. We’ll never ask you to pay any kind of upfront application fee, security fee, or insurance fee. We’ll never ask you to send us money via wire transfer, Western Union, gift card, or prepaid card.

If someone claims to be from Upgrade and asks you for an application fee, please contact Upgrade Support at support@upgrade.com so we can investigate.

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?