Personal Loans up to $50,000

A simple way to build your future

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Checking your rate is free and won’t impact your credit score.

Personal Loans

Take a Step Towards Your Goals with a Personal Loan

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Refinance Credit Cards

Eliminate high-interest credit card debt and get a clear payoff date that you can circle on your calendar.

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Debt Consolidation

Streamline your credit and loan payments into a single monthly payment that’s easy to manage and pay off.

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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.

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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.

Quick and Easy Process

  1. Check Your Rate

    Apply online in minutes and see your rate with no obligation or impact to your credit score.

  2. Choose Your Loan*

    Review multiple loan options and decide which offer is best to help you achieve your financial goals.

  3. Get Your Funds Quickly†

    Accept an offer and we’ll send your money to your bank account within a day of clearing necessary verifications.

Flexible Personal Loan Options

Choose the best option that fits your monthly budget and schedule to get out of debt
Select Offer diagram

  1. Single Monthly Payment

    Choose your monthly payment that won’t ever change and fits your budget.*

  2. 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 account

$10,000 — $500 = $9,500

Loan AmountOrigination Fee

Your Payments

And, each month you would pay back $343.33 over 36 months

What Personal Loan Customers Are Saying

Very fast & easy process. I received my loan after a few days of submitting. How cool is that??!! Highly recommend Upgrade.

Janet D, Personal Loan Customer

From Our Customers

Trustpilot

We’re here to help

How much can I borrow?

With a personal loan through Upgrade, you can borrow $1,000 to $50,000. Funds are sent directly to the account that you choose within a day of approval.†

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.

support@upgrade.com

(844) 319-3909

Monday - Friday, 6am - 6pm PT

Saturday - Sunday, 6am - 5pm PT

See if a personal loan is right for you. Checking your rate won’t affect your credit score.

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275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc

* Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

† Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

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Personal Loans and Auto Refinance Loans made by Upgrade's lending partners.

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