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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**

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 loan instead of a high-interest credit card.

Quick and easy process


Check your rate

Apply 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.


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

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?

Or call us at
(844) 319-3909
Monday - Friday, 5am - 6pm PT
Saturday - Sunday, 6am - 5pm PT

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

Not for payments. Payment address can be found here.

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