Personal Loans up to $35,000
A simple way to build your future
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Checking your rate is free and won’t impact your credit score.
Take a Step Towards Your Goals with a Personal Loan
Refinance Credit Cards
Eliminate high-interest credit card debt and get a clear payoff date that you can circle on your calendar.
Streamline your credit and loan payments into a single monthly payment that’s easy to manage and pay off.
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.
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
Check Your RateApply online in minutes and see your rate with no obligation or impact to your credit score.
Choose Your Loan*Review multiple loan options and decide which offer is best to help you achieve your financial goals.
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
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
The 17.98% APR includes:
14.32% yearly interest rate
5% one-time origination fee ($500)
You would get $9,500 deposited directly in your account
$10,000 — $500 = $9,500Loan AmountOrigination Fee
And, each month you would pay back $343.33 over 36 months
We’re here to help
How much can I borrow?
With a personal loan through Upgrade, you can borrow $1,000 to $35,000. 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.