Credit Card Refinance

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

Personal Loans

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
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  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

Trustpilot

We’re here to help

How much can I borrow?

With a personal loan through Upgrade, you can borrow $1,000 to $50,000. 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.

support@upgrade.com

(844) 319-3909

Monday - Friday, 6am - 6pm PT

Saturday - Sunday, 6am - 5pm PT

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

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275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc

* Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

† Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

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Personal Loans and Auto Refinance Loans made by Upgrade's lending partners.

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