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Credit Card Refinance

Refinance credit card debt
    Loans up to $50,000
    Affordable monthly payments
    No prepayment fees
    Fast funding†

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

Eliminate high-interest credit card payments with a lower rate

Streamline multiple payments into a single monthly payment that’s easy to manage and pay off.
Pay credit card bills directly

Choose Debt Payoff and we’ll send payments directly to your lenders upfront. Plus, you’ll get a discount on your interest rate.*

Why refinance your credit cards with a personal loan?

Take control

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

Lower your rates

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

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

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

What customers are saying: major purchase loans

It is great working with Upgrade. They sent the money right away to my bank account and I can start paying off my credit cards. Thanks Upgrade for your help. Upgrade is great!”

JoseRefinance Credit Cards

It's quick and easy to apply for a personal loan online

Check your rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.

Choose your personal loan*

Review multiple loan options and decide which offer is best.

Fast funding†

Accept your loan offer and you should get your money within a day of clearing necessary verifications.

Personal loans through Upgrade are flexible & customizable

Select an offer

Choose your monthly payment that won’t ever change and fits your budget.

Breakdown of a loan offer, including the loan amount of $15000, an APR of 12.66%, a 36 month loan term, and a monthly payment amount of $449.50

Fixed Rate & Term

Pick terms that fit your timeline.

Showing options for a 36 month loan that would provide a faster payoff
Showing options for a 60 month loan that would provide lower payments

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


$500 = $9,500

Your payments

And, each month you would pay back $343.33 over 36 months

Personal Loan FAQs

Need Help?

Email us at

Or call us at
(844) 319-3909

Monday - Friday, 5am - 7pm PT

Saturday - Sunday, 6am - 5pm PT

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See if a personal loan is right for you.

Checking your rate won’t affect your credit score.

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