Personal Loans up to $50,000
A simple way to build your future
Low fixed rates
Affordable monthly payments
No prepayment fees
Get Started Here
Checking your rate is free and won’t impact your credit score.
Low fixed rates
Affordable monthly payments
No prepayment fees
Take a Step Towards Your Goals
A personal loan that can make it possible
Refinance Credit Cards
Eliminate high-interest credit card debt and get a clear payoff date that you can circle on your calendar.
Debt Consolidation
Streamline your credit and loan payments into a single monthly payment that’s easy to manage and pay off.
Home Improvement
Get the funds you need to remodel, repair, or build the home you want without the hassle of refinancing or taking out a home equity loan.
Major Purchase
Cover that unexpected expense or plan for your next big purchase with a fixed-rate personal loan instead of a high-interest credit card.
How it Works
Check Your Rate
Apply online in minutes and see your rate with no obligation or impact to your credit score.
Choose Your Offer*
Review multiple loan options and decide which offer is best to help you achieve your financial goals.
Fast Funding†
Accept an offer and we’ll send your money to your bank account within a day of clearing necessary verifications.
Flexibility & Customization
Choose the best option that fits your monthly budget and schedule to get out of debt
Single Monthly Payment
Choose your monthly payment that won’t ever change and fits your budget.*
Fixed Rate & Term
Pick terms that fit your timeline.
A Simple Breakdown of a Personal Loan
Get to know the rates, fees and your payback plan
If you're approved for a $10,000 loan with a 17.98% APR and 36-month term...
Your APR
The 17.98% APR includes:
14.32% yearly interest rate
5% one-time origination fee ($500)
Your Money
You would get $9,500 deposited directly in your bank account
$10,000 — $500 = $9,500
Loan AmountOrigination Fee
Your Payments
And, each month you would pay back $343.33 over 36 months
We’re here to help
How much can I borrow?
You can borrow $1,000 to $50,000 – a lump sum sent directly to your bank account that you can use on whatever you want.
What if I want to pay off my loan quicker?
If you’re ready to pay off your loan before the end of your term we welcome you to do so – there are no pre-payment fees!
Why choose Upgrade over other options like a credit card?
With a personal loan through Upgrade you get a fixed rate and term with a clear pay-off date. This can translate into savings while eliminating the surprises of a high-interest credit card with rates that can change any time.
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