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Personal Loan: What are the benefits of a personal loan through Upgrade?

A personal loan through Upgrade can help you accomplish your financial goals. You can use a personal loan to consolidate debt into one easy monthly payment, pay off your high-interest credit cards, tackle that home improvement project, fund a major purchase, and more.

All personal loans through Upgrade offer:

  • Low, fixed-rates, so the rate will never go up on you.*
  • No prepayment fees, so you can pay your loan off at any time.
  • Payment flexibility; you can change your payment date to work best for your budget.

To see what you qualify for, get started and check your rate for a personal loan today.

To see what our customers say about working with us, check out these Upgrade Reviews.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. Repayment terms from 24 to 84 months. For example, if you receive a $10,000 unsecured loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states.

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