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Upgrade Inc

With over 200 financial institution partners, a seasoned team and sterling pedigree in consumer lending, we are the industry leader in financial institution partnerships.

Our bank partners utilize our flexible balance sheet solutions to solve for margin compression, balance sheet diversification, liquidity management, and income replacement.

We have facilitated $24 billion in loans, including over $9.5 billion in 2022 alone.

Upgrade Card registered as the fastest-growing U.S. credit card by outstanding balances, the only card with a triple-digit growth rate, and we were listed as a top 50 Visa and MasterCard issuer, according to the March 2022 Nilson Report.

Headquartered in San Francisco, California, we also have a service center in Phoenix, a regional office in Atlanta, and a technology center in Montreal, Canada.

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Bank Partnerships

Upgrade has partnerships currently available for purchasing our facilitated loans, including personal loans, cards, and auto refi loans, and for our Deposit & Loan Program.

Our asset purchase program is flexible with custom credit criteria, nationwide or geography-specific, has no minimum commitment, and is easily incorporated with your existing ALM strategies.

  • Attractive yielding loans and deposits from prime customers
  • Customer deposit sweep available from bank partners for access to low-cost funding
  • Average onboarding ~30 days: Dedicated onboarding team for easy integration and comprehensive diligence materials
  • Online account access and account managers for ongoing support
  • Loan servicing by Upgrade

For more information, please contact

Upgrade Personal Loans

Term: up to 7 years
Wtd. Avg FICO*: 717
Wtd. Avg Income: $114,945
Purpose CC /Dbt Cons: 87%
Purpose Home Improv / Large purchase: 7.5%
% Homeowners: ~50%

Upgrade Personal Credit Line/Card

Term: 2, 3 and 5 year
Wtd. Avg FICO*: 694
Wtd. Avg Income: $100,301
Purpose CC /Dbt Cons: N/A
Purpose Home Improv / Large purchase: N/A
% Homeowners: 45%

Upgrade Auto Refi

Term: 3-7 year
Wtd. Avg FICO*: 712
Wtd. Avg Income: $108,500
Purpose CC /Dbt Cons: N/A
Purpose Home Improv / Large purchase: N/A
% LTV: 120%
% Homeowners: 70%

* Minimum 660+ FICO. Upgrade facilitates loans below 660 FICO, which are typically sold to institutional investors. If you are interested, Upgrade can also offer below 660 FICO loans to your financial institution.

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Bank Webinars

Consumer Credit - Digital Lending
Deposit & Loan Partnership - See How It Works
Upgrade Bank Partnerships

Our Offices

San Francisco



Engineering Center


Regional Office

Orange County

Regional Office

For more information, contact us at