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Debt Consolidation Loans

Consolidate Your Debt

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

Personal Loans

Why Consolidate Your Debt with a Personal Loan?

Take Control

Take Control

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

Lower Your Rate

Lower Your Rate

Eliminate high-interest debt and credit card payments with a lower rate.

No Surprises

No Surprises

Get a fixed rate that won’t ever change. Be confident that you know how much you’re paying each month.

Get Out of Debt Faster

Get Out of Debt Faster

Find the relief of a clear payoff date that you can circle on your calendar.

How Debt Consolidation Works

  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 debt consolidation goals.

  3. Consolidate Your Debt Quickly†

    Accept an offer and your money will be sent within a day of clearing necessary verifications, so you can get started on consolidating your debt right away.

Customized Debt Consolidation Loans

Choose the best option that fits your monthly budget and schedule to consolidate your 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.

What Debt Consolidation Customers Are Saying

This was an amazing experience. It was quick, easy, and the young woman I spoke with was professional and extremely helpful. I would recommend this to all those who are seeking a company for debt consolidation. They’ve allowed me to breathe much easier. Thank you, Upgrade for helping me to make the management of my debt possible.

Tanya, Debt Consolidation

Trustpilot

We’re here to help with your debt consolidation needs

How much debt can I consolidate with a loan through Upgrade?

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 prepayment fees!

Why choose Upgrade to help me consolidate by debt?

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. Funds are sent within a day of approval, so you can get started right away on your debt consolidation goals.†

support@upgrade.com

(844) 319-3909

Monday - Friday, 5am - 7pm PT

Saturday - Sunday, 6am - 5pm PT

Take control of your monthly payments with a debt consolidation loan.

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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 Annual Percentage Rates (APRs) of 7.46%-35.97%. All personal loans have a 1.85% 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 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.

† 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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