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Personal Loans up to $50,000

A simple way to build your future

  • Low fixed rates

  • Affordable monthly payments

  • No prepayment fees

Get $200 when you open a Rewards Checking account and make 3 debit card transactions**

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

Refinance credit cards

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

Credit card Refinance Loans

Debt consolidation

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

Debt Consolidation Loans

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.

Home Improvement Loans

Major purchase

Cover that unexpected expense or plan for your next big purchase with a fixed-rate loan instead of a high-interest credit card.

Major Purchase Loans

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

Fast funding†

Accept your loan offer and you should get your money 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 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

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We’re here to help

How much can I borrow?
What if I want to pay off my loan quicker?
Why choose Upgrade over other options like a credit card?

Need Help?

Email us at
support@upgrade.com
Or call us at
(844) 319-3909
Monday - Friday, 5am - 7pm PT
Saturday - Sunday, 6am - 5pm PT

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 Annual Percentage Rates (APRs) of 7.96%-35.97%. All personal loans have a 1.85% to 8.99% 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 24 to 84 months. For example, if you receive a $10,000 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 in your account 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 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.

** To be eligible for the $200 welcome bonus, you must receive a personal loan through Upgrade and open a new Rewards Checking account using the link above, add funds to the account, and make 3 debit card transactions within 60 days of account opening. Approval of your loan is not guaranteed and is subject to our verification and review process. Joint loan applications do not qualify for the welcome bonus. In addition, you must not have had a prior Rewards Checking account and you must be current on your personal loan(s) through Upgrade. The $200 bonus will be credited to your account within 60 days of completing the above requirements. For debit card transactions to qualify, the transactions must have settled within 60 days of opening your Rewards Checking account. Debit card transactions exclude ATM transactions. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.

Rewards Checking accounts provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

† 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 one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

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