Upgrade Reviews

When I needed it the most, because it felt like no other bank or company would even consider giving me a chance, no matter how small my loan request was. Upgrade gave me a second chance. What was awesome is that they didn't make it a huge ordeal to make the decision on giving me a loan. I applied, they got back to me to submit a couple documents the same day. The next day, I was notified that I was approved and the next day, the money was in my bank account. I didn't think it was true, I was hesitant, thinking at any time I'd get notified that I had just gotten scammed.

I’ve used a few loan operatives in so many years to help bale me out of situations when keeping up with all my creditors was difficult… not in the available cash burr, more in how I manage my funds. To consolidate all my debt together and only have to concentrate on the one payment I found beneficial in my peace of mind. Understandably different people have different talents, mine is not organized chaos.

I had a loan with them before, and did make repayments on the loan swiftly, to keep my credit score above average, If I ever needed a loan again. They had most of my information from loan before, and so with little effort on my part the loan was approved, instantly. The funds reached my bank in a day, maybe a little longer, not by much. I always pay on time, and payments are never late and this sure helps you next time. Their customer service is above average, helpful and dedicated to fast track your loan as much as they can. Do not have to wait long, so if you need money right away, maybe this would be the right path for you. It was for me.

During and after the Pandemic I was out of work for some time and living off my credit cards. After a couple of years of steady and timely payments, I was not making any headway on the debt itself, just paying interest month after month. I needed help! Upgrade provided me with an debt consolidation loan that was easy to obtain online and finalize quickly. They made direct payments to my credit cards and provided me affordable monthly payment and a great rate that was better than my credit cards. Now there is a light at the end of the tunnel and I will be debt free in 4 years and my credit rating has gone up significantly! Thank you Upgrade!

I got an email from Experian soliciting me to pay off my debt with a loan. I’ve been denied debt consolidation loans in the past so I was skeptical. Upgrade had the best fees and interest so I decided to see what they could do. Wow, did I get a great rate! I even shipped it to my credit union to see if they would beat it and they didn’t! I was shocked. The process was easy. Customer service was friendly. I’m so happy I did this. If you’re worried about your debt and looking for a consolidation loan, give them a try!

The whole experience was fast and simple. Got my money a couple of days later. Would let my family and friends know that upgrade is the place for a loan. The process was quick and simple. Could not ask for more.

This is my second time using Upgrade and the second time getting approved for the amount of money I needed when I got denied by others and the interest rate wasn’t sky high. I have a good credit score but my debt-to-income ratio looks bad. I have two major loans on my credit report that I signed as a co-owner for my children but they pay the bill but loan companies don’t give you a chance to explain that. My payments are on time, which also isn’t considered by loan companies but Upgrade came through both times. I highly recommend!

Upgrade was the easiest to apply for a loan at and quicker getting the funds send out. Straight forward without all of the junk you mumbo jumbo you usually get. I would recommend upgrade to anyone looking for a personal loan.

Very fast and seamless process! I first used Upgrade a few years ago. So this time around I already had an account on file. Took me maybe 5-10 minutes to apply and was approved within 30 minutes. Funded the next morning. Less than 24 hours.

Upgrade made me feel better and secure in helping me address some financial challenges. The app and website made it easy. No contact with customer service because of the website. Over the past 2 years of trying upgrade has definitely helped me formulate a financial plan. My first purchase of assistance was buying airline tickets and having the option to pay over time. Having great options and maintaining payments has been the greatest benefit.