Upgrade

Upgrade's biggest problem is lack of communication; both credit & checking. No warning, no apology, just *suddenly* quit releasing direct deposit funds when received, changing pay date from Tues to Fri. (Cust service feigned surprise). Imagine how many people that hurt! Charge dispute required chasing cust. service for updates as well. Email changes & updates to your customers! Too bad I referred two others last year. 5 star bank until last 5 months, easy approval & free rewards checking. After ALL on time payments, credit limit drops after each payment impacting avail credit (which affects my credit score) & they also increased my interest rate. Drop my limit so my score drops to justify dropping it again...wth? On checking: VISA disputes go through VISA, so can take 2 months to get money back (as mine did).

Very professional and fair, I would recommend a friend. When I was in need and credit score was not that good Upgrade helped me with no problems. Thank you being there for me and my family. I hope in the near future I can get Upgrade to help me out again. You don’t have to have a perfect credit score.

Upgrade is very kind and make a tough situation easy to get through. Thank you for working with me! I now know where to go for help. I would recommend to friends without any doubt. Again thank you for your help. Glad to be part of your family. Very helpful!!

This was the most seamless and quick process I have ever experienced. The process is professional and thorough yet streamlined for a speedy turn around. They also had the best rate of anyone else around. I would highly recommend going through Upgrade. I now have two loans with them. And I would use them again in a heartbeat.

Process to submit and approved for a loan is quick and simple. Everything was done online and within less than an hour the confirmation of approval was received. Funds was available pretty much the next day. When I need funds I know I will return as long as rates are competitive.

Upgrade was recommended to me by a friend. I was hesitant at first due to the fact that a family member took all of my retirement money. So at 70 yrs old I had to go back to work. Then I was out of work for the first 7 months of 2023. So my credit score was in the tank. But, Upgrade made it very easy to file. I only wished that I had asked for more. Thank you Upgrade.

Great service with quick approval. Could not have been easier. I appreciate the fact that all this can be done online in a quick efficient manner. Money was in my checking account the next day. I recommend Upgrade for any money needs. The payments come out automatically every month from my checking account. No worries and no hassles. Thank you for making this process so quick and easy.

I applied for a loan to consolidate and pay off credit cards. The process was straight-forward and easy. There were several options offered and I chose the loan that fit my needs best. The approval was quick and the funds were transferred to me quickly as well. I would recommend Upgrade to a friend.

Found myself in between pay periods needing funds for an urgent unforeseen matter that couldn't wait. Upgrade was the answer for me and they didn't haggle or judge, nor did they disappoint. Online application process was very quick and easy and received the funds the very next day with easy repayment plans.

Thank you UpGrade for being there and giving me the opportunity to pay off my Bills. This Loan does help me a lot and I will try to pay it off early, if nothing else goes wrong in my financial life ... LOL ... This is a very reasonable pay back loan. I will make good on it, and I want my credit to go up. Thank you again for my loan.

I would love to give zero stars if I could. I have done nothing but pay on my debt from them as well as pay down my other credit card debt by thousands of dollars. I have not taken a draw in many months, simply made my payments on time and yet this company regularly decides to lower my limit so that every time my credit score goes up, it goes right back down some due to them repeatedly lowering my limit. They claim it’s due to delinquency/public record, yet the one and only public record is something that is 7+ years old at this point and was on my report before I opened an account with Upgrade. I contacted customer service about this and they were absolutely zero help.

I needed a personal loan and Upgrade was there for me. I already had a card from them. But I needed a larger loan. It was a convenient online application and the approval was quick. And I got the loan by direct deposit to my account within 4 business days. I would recommend them to family and friends. Thank you Upgrade.

I have used Upgrade once before and had great service with them. The online information was easy to understand and complete and the money was ready to access within twenty four hours. This is the second time and was even better. I would recommend this company to people I know looking for a loan.

The application for the loan, the approval of the loan, and the funding of the loan went very smoothly and quick. Seems like a great place to get a loan. I spoke to one of their staff members briefly during the loan process, and he was very knowledgeable and friendly.

From my initial contact, I have received first class treatment by all reps that I have encountered, as well as great products and services. Easy to navigate system and very easy to do business with. Great follow up and ongoing communication. With so many options out there, I don’t see how any other choice could possibly be better. I use the Upgrade Visa, and also loans. I can easily say that I highly recommend Upgrade.

When I needed a loan a couple of years ago Upgrade was the only one who would. Now that I wanted another loan I would not go to anyone else. I would not go to anyone else for fast and helpful service. Flexible and great loan rates and no early payoff penalty.

I reluctantly filled out the form, as I've been wanting to do this for some time. I knew I wouldn't be approved, but it was simple to try, I thought, why not. Much to my surprise, I was approved. I used every last cent to consolidate. Thank you thank you for taking the burden away of making sure I've made every payment.

The Upgrade website is easy to navigate, and the email reminders are a plus. Upgrade has a good selection of products and options, and their response time is fairly quick. I also like the available auto-pay feature and its benefits, it is nice to not have to remember due dates.

When I was looking to get a loan to take care of my credit card debt I came to Upgrade. I had dealt with them in the past and it was a very professional experience. Needless to say it was a no-brainer to come back again. Application process online was very simple. Highly recommend Upgrade.

I was overall happy with the process. I just wish I knew in advance that you took the fees upfront. I would rather have the fees tacked onto the back of the loan or made aware that the amount I was requesting would be less than what I would receive.

This is my second personal loan through Upgrade. Easy to apply, easy to upload any info they need and quick response. Friendly, knowledgeable folks that answered all my questions. Money was deposited directly to my account promptly. I will definitely use them ago if the need arises and recommend them to anyone that needs a personal loan.

Just so very easy to work with and they get a response to you very fast, and they were also very fast and quick about getting your money to you. I would definitely recommend this organization to anyone that needs a loan that qualifies good for it because they are so good at helping you out.

My experience with Upgrade was very good. It was a quick turnaround for approving the loan and depositing the money. Even factoring in a holiday Monday. Easy setup on the website to make payments. I would recommend this company to a friend. Looking to do more business with them in the future.

I had to apply for an emergency loan. Upgrade provided good customer service and I appreciated their help. The money was in my account the next day as they promised. Since I am already in the system, I am assured that they will accommodate me if possible. I contacted them on a holiday late at night and they responded. I also referred to a friend.

Working with Upgrade was very efficient and rewarding. My needs were met and I was able to start paying off debt sooner than expected. I am looking forward to sharing my experience with my family and friends. Being able to utilize the account manager online helps me avoid unnecessary wait time on the telephone.

I felt that everything went very smoothly without any hitches except the website didn't work sometimes. I was able to work around the website problems by sending the information to the email address, which was very effective. The staff was very professional and helpful with any questions that I did have.

I feel like this is a great company to work with. They have the best customer service. Everyone I work with is friendly, helpful, patient and really great. I look forward to many more years working with this company. The process is easy and fast. The Website is easy to maneuver and you can find what you're looking for quickly.

Cannot believe the fast response with minimal questions, great payment plans Upgrade has to offer. Upgrade really helped me clear my debt and gave me peace of mind, that I can at least breathe a little. Will recommend Upgrade to the ones trying to keep their heads above water in this crazy inflation.

I just received my second loan from Upgrade and it is one of the smoothest and easy transactions you'll ever experience. There is no hassle of any kind and money is deposited into your checking fast. It's a really great experience. It's so nice that there is someplace like Upgrade that can help you out from the comfort of your own home. You won't be disappointed.

The application process is very easy and straightforward. The autopay feature is also quite efficient and easy to set up. The list of potential lenders gives enough options to truly figure out the best fit. I would recommend this to anyone looking for a quick easy fix for their financial troubles.