Upgrade Reviews

The loan experience with Upgrade was a good experience except for the high loan fees that I didn’t quite understand as good as I should have, The $750 was a bit too much for me even though I needed the money in a short time frame. If that could have been a little better I would have rated Upgrade 5 out of 5 stars, but I still will rate the experience 4 out 5 and would do it again with a little better deal…

While in escrow to purchase a home, the lenders required another 5 percent down (huge) to close!!! CreditKarma gave me options to choose from. I chose UPGRADE and applied on a weekend day! I was immediately approved, with repayment schedule printed out. I did not have to supply any paperwork, only connect them to my bank. The money was deposited the 2nd work day, after the immediate approval. I was so impressed. The process was so amazingly simple. Now for the escrow to close!!!! When signing into my UPGRADE account, I was then given the option to sign up for a credit card ($1000) from UPGRADE. I applied, but was requested to submit my income paperwork. I did twice, but now they want a letter proving my income! OMGOSH!

I was fine with the loan, but the force of requiring a new banking account is offputting. I have used LendingTree previously and this was not my experience with them. I went to one website to make the payments and pay off the loan. I'm hoping this experience with Upgrade is similar.

I am so glad that I chose Upgrade to help me with my debt consolidation. The app and review process was quick. It took about a week to receive the funds after I was verbally told my loan was approved but only a couple of days from when I received the approval email. They made payments directly to my credit cards which was very convenient. I especially like the terms of the loan and that I will be paid off in 3 yrs versus 5-7 with other lenders. I am very happy with my decision.

I was looking for a loan to consolidate the bills my husband and I brought into our marriage. I was able to see that a loan to pay off all our bills was LESS than just two of my spouse's bills. I applied, which was a quick and easy process. I spoke to a representative, whom was very professional and quick. Within 5 days, funds were in our accounts and our credit cards were paid off! I really like that I am able to change my payment date, as it originally fell on the same day as our mortgage!!

Easy company to work with. No complaints.. Other than could have used a little better interest rate. But, it's been a easy process so far. And I really, really, really, really need a better rate... They did do exactly what they said they would and you can't really ask for anything else. I would refer others to use this company.

This is my second time getting a loan with Upgrade. Easy to load documents and identify bank electronically. Have the credit card also. Easy payments back and no penalty if paid off early. Got better interest rate because paid off my credit cards which I wanted to do in the first place.

Made it very easy and simple to apply for a loan. No hassle at all. Everything was self explanatory. Was quick and let you know immediately if you were approved. I would definitely refer a friend to apply if they need a loan. Great rates which are easy to handle.

I’ve been thoroughly satisfied with all the products I have received through Upgrade. Customer service is easy to get a hold of, and has always resolve my problems in a prompt manner. I think the interest rates are competitive, and the benefits with the debit card are better than the average bank.

The process of getting a loan was quick, easy and great interest rates! The funds were transferred quickly. I was impressed about the ease of applying for a loan, communication was clear and fund transfer was accurate and fast. I’d highly recommend this company to anyone looking to refinance credit cards.