Major Purchase Loans
Loans to upgrade your life
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Checking your rate is free and won’t impact your credit score.
Why Get a Personal Loan for a Major Expense?
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.
One Day Funding†
You should receive your funds within a day of clearing verifications.
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
Increase the value of your home and turn your backyard into a relaxation destination.
Invest in your health and smile – braces, dentures, surgery and more.
Plan a one-of-a-kind event and enjoy memories with your loved ones.
Cover medical procedures and other wellness costs.
Funds to explore new destinations and expand yourself beyond everyday life.
Tackle unexpected costs with low-interest, responsible financing that fits in your monthly budget.
How it Works
Check Your Rate
Apply online in minutes and see your rate with no obligation or impact to your credit score.
Choose Your Offer*
Review multiple loan options and decide which offer is best to help you achieve your financial goals.
One Day Funding†
Accept an offer and you should receive your money in your bank account within a day of clearing necessary verifications.
Flexibility & Customization
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.
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?
With a personal loan through Upgrade, you can borrow $1,000 to $50,000. You should receive your money in your bank account within a day of clearing necessary verifications.†