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.
Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**Eliminate high-interest credit card payments with a lower rate
- Choose Debt Payoff and we’ll send payments directly to your lenders upfront. Plus, you’ll get a discount on your interest rate.*
Pay credit card bills directly
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.
Take control
- Eliminate high-interest debt and credit card payments with a lower rate.
Lower your rates
- Get a fixed rate that won’t ever change. Be confident that you know how much you’re paying each month.
No surprises
- Find the relief of a clear payoff date that you can circle on your calendar.
Get out of debt faster
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!””
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.
- Loan Amount
- $15,000
- APR
- 12.66%
- Term
- 36 months
- Monthly Payment
- $449.50
Fixed Rate & Term
Pick terms that fit your timeline.
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 rate5% one-time origination fee ($500) - Your money
You would get $9,500 deposited directly in your account
$10,000 —
$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
support@upgrade.com
See if a personal loan is right for you.
Checking your rate won’t affect your credit score.