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Unexpected Expense

Get the money you need for unexpected expenses
    Get up to $50,000 with a low, fixed rate loan
    Affordable monthly payments
    No prepayment fees
    Fast funding

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

Why get a personal loan for an unexpected expense?

Get low-interest financing so you can make things happen now, and pay for it in installments over time
Check your rate in minutes

Find out your rate and how much you qualify for in minutes with no obligation and no impact to your credit score.

Fast funding†

You should receive your funds within a day of clearing verifications.

Cover unexpected expenses with a low, fixed monthly payment

Low interest rates with fixed terms so you know how much to budget each month and circle the date for when you’re debt free.

Personal loans that make life happen, or cover life's surprises

Get the money and relief you need to cover your big plans responsibly
Dental Loans

Invest in your health and smile – braces, dentures, surgery and more.

Home Repairs

Whatever the problem, a personal loan can help you get your home back up and running fast.

Car Repairs

Get the car repairs you need with fixed-rate financing.

Medical and Dental Bills

Cover medical procedures and other wellness costs.

Funeral Expenses

Pay for funeral expenses now and pay back the loan in affordable payments over time.

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

What customers are saying: unexpected expense loan reviews

One of our high interest credit cards had gotten out of hand and was siphoning funds away from our savings goals. It was a responsible step for us to set up a personal loan that will be paid off in a set time period at much less interest. Because of Upgrade, I can now see our family living debt-free.

Laura S.

Unexpected Expense 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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