Upgrade Reviews

For years I wanted help to consolidate my credit card debts and after going to over a dozen big banks and well known lenders/loan companies I almost gave up. Upgrade saved me! They had the best rate, and going with Upgrade will save me thousands than if I stayed with paying off my debts the original way. I'm so relieved now. Instead of having a dozen credit card minimum payments every month, I now just have one payment to upgrade. I now have extra cash each month to put into savings. I can finally see the light at the end of the dark tunnel that I've been stuck in for over 20 years. Thanks Upgrade!!

I did some research on them and they seemed like a reliable organization. They asked a few questions and I did end up speaking with a very nice guy. I was approved within no time and the money was deposited into my checking account within a few days. I have paid off the bills that were bothering me - what a pleasure. My payments are very reasonable. So far, I am very happy with Upgrade!

I have used Upgrade for personal loans, line of Credit and checking account... the process is easy, fast and convenient. I found the process so easy and I was able to get a personal loan pay off my credit cards and now I pay less per month and will have it paid off quick. I am so happy I found Upgrade and will use them again. I don’t have a great credit score but now that I have paid off the high-interest credit cards my score is going up.

Will recommend Upgrade to family and friends. Easy to apply, quickly approved. Funds was transferred to my account within two to three business days. Uploading documents was easy a day quick. I will recommended to everyone, try it for yourself. It's really easy and fast. You will be satisfied. Great customer service as well. They will help you if you have questions. Thanks for helping with my financial needs. :)

I would absolutely recommend Upgrade to everyone I know. When I applied for a loan, Upgrade was very straightforward about what information they needed and made it very easy and convenient to be able to get it to them. They kept constant communication with me through the whole process. When they told me they would get back with me about anything, they did in a timely manner. They walked me through the whole process. Upgrade will make sure when applying for a loan that it’s completely stress free and they work hard on getting you the loan you need. If I could give 10 stars I definitely would.

Just closed the "credit card" I had with them (never used; astronomical interest rate). Still have a personal loan. Tried to change my mailing address after I recently moved (phone number and email are the same). They wanted a copy of my lease, DL, and a photo of me holding up a document with my account info sent to them through email. I said no, so they are refusing to change my mailing address. Almost 60 yo, have never had such a stupid request from a "bank" to update my mailing address. Plus, customer service folks are rude. Time to look into refinancing that loan.

They said I was pre approved for the loan. When I filled out the application, they denied me with a fico score of 700s. All they did is take points off Credit. Definitely would not recommend this company.

I took out a "home improvement loan" to replace windows. It is not an installment loan. It is, in fact, a revolving account with a fixed rate and fixed term. Why does this matter you may ask. Your credit report will suffer because the "loan" will be posted to your credit report as a maxed out Line of Credit. It looks the same as a credit card that has max utilization.

I'm writing this review in the hopes that I can educate folks to not make the same mistakes I did with Upgrade. They offer a product called the Upgrade Cash Rewards Visa (or something close), only it's not a credit card in any way. It's a series of payday loans advertised as a credit card, some have reviewed it online as a personal loan, but it's not, it's payday loans. First thing to get out of the way, I should have read the agreements a lot more carefully and realized the card was a scam, I didn't, shame on me. However, I'm shocked that someone at any financial regulatory organization would allow this to be called a credit card. It's not, it's micro payday loans, let me explain... First, it's not revolving to the consumer. It's revolving for Upgrade which is where you, as the consumer, get ripped off.

Do not trust Upgrade with your money! My account was suspended for suspicion of unusual activity, but no one can specify what the activity is, and all transactions I can see were authorized by me. It has been four weeks, and I still cannot access my funds. Initially, I was informed it would take up to 30 days, but now they are suggesting a timeframe of 30-45 days without any assurance that this won’t continue to extend. They are holding my money hostage without providing an explanation or remedy, and I am now compelled to seek legal advice to access my own money. Do not bank with them!