Credit Card Refinance
Pay Off Your Credit Cards
Get Started Here
Checking your rate is free and won’t impact your credit score.
Why Refinance Your Credit Cards with a Personal Loan?
Streamline multiple payments into a single monthly payment that’s easy to manage and pay off.
Lower Your Rate
Eliminate high-interest debt and credit card payments with a lower rate.
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.
How it Works
Check Your RateApply 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.
Fast Funding†Accept an offer and we’ll send your money to 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
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?
With a personal loan through Upgrade, you can borrow $1,000 to $35,000. 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 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.