Upgrade Reviews

I was just approved for my second loan with Upgrade where I have experienced quick approvals; however, I want to highlight a couple situations in their approval policy that has left me baffled. The first loan I applied for was under $2K which was paid off pretty quickly, but before paying it off, I needed a larger loan to complete a landscape project. During this time, I received a "pre-approval for $45" from Upgrade but was denied because I had not paid off my first loan. When I asked why send me a pre-approval and deny me credit, Upgrade cited that I could not have two existing loans with them. I was able to get the loan I needed through American Express, problem solved.

I recently used Upgrade to consolidate my credit card debt, and the whole process was incredibly easy. From applying to getting funded, everything was quick and straightforward. Their rates were competitive compared to other debt consolidation lenders and definitely better than the interest rates on my credit cards. One thing I really liked was that they paid off my credit cards electronically instead of mailing paper checks like many traditional lenders. That made the process much faster and more convenient. Overall, I had a great experience with Upgrade. I would definitely use them again in the future and would recommend them to anyone looking to consolidate their debt.

I am still in the process but I had applied with a different company who sent my information to every payday loan institution in America. Within hours all my passwords and information were compromised. I spoke with an employee who called me and almost cussed him out until he said a few key words that I knew he was not a scam. I told him what had happened and he told me exactly what to do. I have spent 3 days trying to fix what one mail flyer did. Thank you Upgrade. I am hopeful to have a long lasting relationship.

I am a repeat customer of Upgrade, and they continue to impress me. I recently took out a personal loan and was approved quickly. Just a couple of days later, they reached out and offered an opportunity to refinance my auto loan. As a first-timer to auto refinancing, I was a bit unsure of what to expect, but the entire process turned out to be incredibly simple and straightforward. Why They Stand Out:

I've gotta give it to Upgrade, they have one important tool in their loan approval process that all other banks need to include in their lender process. It's flawless, it's genius and it does give the lender and instant look at you as a potential borrower. Upgrade asks to have access to your bank account, once in your bank account, they can see all your highs (I deposited over $22,000.00 this past month,) and verify any lows it they exist. One last important point, Merrick Bank is a low-end lender for high-risk borrowers, 24-hours before Upgrade approved me, Merrick Bank denied me off a soft pull of credit report.

Very easy experience. I've used them before for several short term loans to perform home maintenance.

Very easy. Very helpful. Came just in time with no issues.

Easy process and super fast. It was a super easy process to apply and get funding.

Fast and convenient. They do exactly what they promise.

Application process not accommodating to elderly people, lacking instructions and the document upload process is unclear and difficult to complete on a laptop or pc where scanned images cannot be used. Had to use a cell phone to upload some documents. Otherwise, the people were great. They were personable, timely and professional during each stage. Had a few technical difficulties but I’d recommend Upgrade.

I was approved by Upgrade quickly. The representative I talked to was very pleasant, helpful and professional.

Ease of application. Fast funding!! This was the fastest I have had my bills paid and mine deposited.

I had a great experience with this UPGRADE. The application process was quick and easy, everything was explained clearly, and I received my loan faster than expected. I would definitely recommend them to anyone looking for reliable financial assistance.

I have really received a awesome financial experience with Upgrade from travel to medical. Thanks, Upgrade for being there when I really needed you. I will never let you down. ❤️🙏🏾

Very easy and seamless process. Great customer service and fast turnaround time would definitely recommend.

Upgrade is one of my emergency cards, I count on them when things get crazy, so I wanted a loan. There was no problem getting a loan from upgrade, fast, efficient and reasonable, thank you Upgrade for always having my back. Don. B.

I have been working hard to better my credit, along the way I found Upgrade. They have been exceptional for my personal loan needs and met my expectations. I am super happy with them and my experience with them.

I needed to purchase something I dearly wanted but did not have the resources. Upgrade gave me a loan and got it to me fast. Thanks, Upgrade. Highly recommended.

From start to finish everything was very easy and as long as you submit everything needed when requested you can have your loan in your bank account within 24 hours. I know I did.

This was the fastest loan process that I have been involved in. From application to funds in my account was 3 working days.

Super fast processing, less than one day, lowest rate of all possible loans available.

Have newly been picked up by Upgrade. Messed up something where I got 2 loans instead of one. It was called a consolidation loan and was applied to two of my credit cards. Upgrade was helpful in telling me how to get it returned by those cards. One card would not do it and kept it as a payment. The other is processing it now. But Upgrade does not take credit card payment or it would have let me pay it back from those cards. That bothered me a lot. Otherwise, I have no issue with Uprade or their service.

Outstanding Service & Rates. I thought it was an easy process. Great work. Really appreciate. Upgrade. Thanks.

I am so glad I found out about Upgrade! I needed airline tickets in a pinch. I was able to get them using their website with very little trouble. The website is easy to navigate, the application process is effortless with quick approval. Upgrade really comes through when you need it.

It’s super easy and fast. This is my second time using upgrade! I’ve never had any issues and I would recommend to anyone that is looking around at different places.

The process was beyond simple and deposited quickly. I used twice already and was extremely pleased. One time for a cruise and the other to get out of debt and purchase airline tickets.

Great experience with Upgrade. I am a repeat customer and refer them to anyone seeking financial services.

Am a repeat customer of Upgrade, and they continue to impress me. Just make your payments on time and be responsible, and they will take care of you.

The application process was straightforward, and the competitive rates were impressive. The seamless application and funding process were particularly noteworthy. I have tried other lenders to compare customer experiences, and Upgrade stands out as the best. I wholeheartedly recommend Upgrade

The process was seamless, approved in no time and awaited funds were deposited quickly. APR can be a little high, but all in all, I have had no problems and I'm always satisfied.

It was easy and quick. When I speak to someone they are very professional and friendly.

The loan process was easy and fast. The funds were available in my account in two days. This was a stress-free process. I highly recommend going to Upgrade first for all your loan needs.

Upgrade fast response made it easy to consolidate my credit card debt into one payment. I like the convenience of applying online, and having all documents available online as well. I would recommend them to anyone looking to consolidate and streamline multiple debts.

We've used Upgrade twice so far for home improvement loans. It couldn't be faster or simpler. The money was in our account the next day.

Quick and responsive in a time of need. Much appreciate the experience and professionalism.

They are easy to work with and very customer-oriented.

Best company ever, fast approval, deposit and excellent customer service.

This was a quick, efficient way to get a loan. I was pleased with the service and rates.

I was happy to be receiving a $10,000 loan but what I wasn’t happy about was not seeing the full amount in my checking account. That’s my fault not theirs, but that high fee will definitely encourage me not to come back.

Very quick on responses and approval. 2 days I was taken care of. Thanks.