Credit Card Refinance

Pay Off Your Credit Cards

  • 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 Refinance Your Credit Cards with a Personal Loan?

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Take Control

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

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Lower Your Rate

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

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No Surprises

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

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Get Out of Debt Faster

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

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

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!


Jose, Refinance Credit Cards

We’re here to help

How much can I borrow?

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

What if I want to pay off my loan quicker?

If you’re ready to pay off your loans before the end of your term we welcome you to do so – there are no prepayment fees!

Why choose Upgrade over other options like a credit card?

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.

support@upgrade.com

(855) 997-3100

Monday - Friday, 6am - 6pm PT

Saturday - Sunday, 8am - 5pm PT

Pay off your high-interest credit cards and save money with a personal loan

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