Get the money you need for unexpected expenses
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**Cover an unexpected expense with a personal loan
Why get a personal loan for an unexpected expense?
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
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.
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:
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
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.”
Unexpected Expense Loan FAQs
Can I get a personal loan to pay for medical or dental bills, funeral expenses, car or home repairs?
Yes, a personal loan is a great way to take the stress out of paying for unexpected expenses.
Through Upgrade, you can quickly see your rate and how much you qualify for within minutes of filling out an application online. After you accept your loan offer, you can expect to get your money within 1 business day of clearing verifications.† Plus, with a personal loan you’ll have a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.
What can I use an unexpected expenses personal loan for?
You’ll receive your personal loan in a lump sum that you can use for any unexpected expenses that you’d like including medical bills, dental bills, funeral expenses, car repairs, or home repairs.
How much can I borrow?
You can borrow $1,000 to $50,000 with a personal loan through Upgrade.
Why use a personal loan to pay for unexpected expenses?
Credit cards often have high variable interest rates that can increase at any time. This can make it hard to know the true cost and predict when you’ll be able to pay it off. With a personal loan through Upgrade, we eliminate those surprises. A personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.
Read more about the pros and cons of a personal loan or credit card.
Need Help?
Email us at
support@upgrade.com
Upgrade on the go
Manage your account with the app
