Major Purchase Loans

Loans to upgrade your life

  • Loans up to $50,000

  • Low fixed rates

  • Affordable monthly payments

  • No prepayment fees

Get Started Here

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

  • Loans up to $50,000

  • Low fixed rates

  • Affordable monthly payments

  • No prepayment fees

Why Get a Personal Loan for a Major Expense?

Get low-interest financing so you can make things happen now, and pay for it in installments over time

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Check Your Rate in Minutes

Find out your rate and how much you qualify for in minutes with no obligation and no impact to your credit score.

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Fast Funding

A lump sum sent directly to your bank account within a day of clearing necessary verifications.†

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Fixed Rates and Terms

Low interest rates with fixed terms so you know how much to budget each month and circle the date for when you’re debt free.

Personal loans that make life happen, or cover life's surprises

Get the money and relief you need to cover your big plans responsibly

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Pool Loans

Increase the value of your home and turn your backyard into a relaxation destination.

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Dental Loans

Invest in your health and smile – braces, dentures, surgery and more.

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Special Occasions

Plan a one-of-a-kind event and enjoy memories with your loved ones.

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Medical Loans

Cover medical procedures and other wellness costs.

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Dream Vacation

Funds to explore new destinations and expand yourself beyond everyday life.

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Sudden Expenses

Tackle unexpected costs with low-interest, responsible financing that fits in your monthly budget.

How it 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 Offer*

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

  3. Fast Funding†

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

Flexibility & Customization

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.

From Our Customers

Upgrade was able to help me secure a personal loan to help get ahead in life. They were fast and prompt, willing to help me by all means. The representatives were very helpful, friendly, courteous, and I feel went over and beyond to help.


Jeffery, Major Purchase

We’re here to help

Why not use a credit card for my major purchase?

Credit cards often have high variable interest rates that increase at any time. This can make it hard to know the true cost of a project and predict when you'll be able to pay it off. When a specific project cost is mixed in with other living expenses it can become even more difficult to plan when it'll be paid off or even recognize when, or if, it has. With a personal loan through Upgrade, we eliminate those surprises. A personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.

Will checking my rate affect my credit score?

Checking your rate won’t impact your credit score. When you check your rate to see what offer(s) you may qualify for, we perform a soft inquiry on your credit report, which won’t impact your credit score. Soft inquiries can only be seen by you. When you accept your offer and submit your bank account information, we perform a second soft inquiry which also does not impact your credit score. Once your loan is funded, we perform a hard inquiry on your credit report, which may impact your credit score and can be viewed by third parties.

What if I want to pay off my loan sooner?

Don't worry, if you find that you can pay off your loan before your final payment, that's great! You won't be penalized — there are no prepayment fees!

How much can I borrow?

You can borrow $1,000–$50,000 — a lump sum sent directly to your bank account that you can use on whatever you want.

support@upgrade.com

(855) 997-3100

Monday - Friday, 6am - 6pm PT

Saturday - Sunday, 8am - 5pm PT

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

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