
Upgrade Reviews
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About Upgrade
Upgrade is an online and mobile banking solution that offers personal loans, credit cards and deposit accounts. With Upgrade, customers can combine online and mobile banking with affordable loans and cards, high-yield savings accounts and rewards checking accounts. Customers also benefit from free credit monitoring, alerts and credit education tools. Upgrade’s fully online service offers fast transactions, simple approval and easy banking.
- Fast approvals
- Loans up to $50,000
- 4.02% APY on savings accounts
- Same-day transfers up to $100,000
- $10 late fee on loans
- High origination fee
Upgrade Reviews
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- 4,697,285 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
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- 4,697,285 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed June 26, 2025
It meet my need for a long term loan with a reasonable payment amount. Interest rate seems high but the market isn’t favorable to borrowers at the moment. I was surprised I could get a small portion of it directly in my bank account.

Hi Kimberly!
Thank you for your feedback. We apologize for the delayed response.
We are sorry to hear that the interest rate available to you was not completely to your satisfaction. We do take many factors into account when determining loan eligibility, such as credit score, credit usage and history.
At Upgrade, we’re committed to continuously improving our service, and your perspective plays a valuable role in that process.
Thank you for letting us know about your experience!
Reviewed June 25, 2025
Quick, easy loan approval. I have done 3 loans with them over the years. Highly recommend them. Auto pay makes it simple! Loan approval in a matter of minutes. Directly deposited into my account. Love it!

Hi Terry!
Thank you for your feedback. We appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our service.
We appreciate that you took the time to let us know about your 3 positive experiences.
Thank you!
Reviewed June 23, 2025
Fast and easy process. I highly recommend. It help me all the way. A very happy customer. Keep the good work with new and existent customers. Continue helping people to achieve their dreams. Thank you.

Hello Carmen,
We appreciate your feedback.
Thank you for being a valued customer!
Reviewed June 22, 2025
Highly satisfied and confident with the way Upgrade handled my loan application and approval process. I have already recommend Upgrade to my family and friends and look forward to my continued partnership with this loan company.

Hello Jeanette,
We appreciate your feedback.
Thank you for being a valued customer!
Reviewed June 20, 2025
The process was very quick, only taking a few days. The application process went smoothly. I was kept up to date on where I was in the process and what information was needed. The representative I spoke with for final verification was very personable and friendly. The funds arrived ahead of schedule.

Hi Mark!
Thank you for your feedback. We appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our customer service.
We appreciate that you took the time to let us know about your very personable and friendly experience.
Thank you!
Reviewed June 19, 2025
I was surprised how quick it was to fill out the application and to get my money. At first I didn't believe I would qualify as my credit is not that good. Thank you. In a few days my money was in the bank!

Hi Dianne!
Thank you for your feedback. We appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our services.
We appreciate that you took the time to let us know about your positive experience.
Thank you!
Reviewed June 16, 2025
Easy process from start to finish. Prequalified status helps you look at your options before you decide what is best. Several different choices lets you see what a loan would look like if you have a shorter/ longer term. Everything is laid out so nothing is hidden. Customer service is helpful and easy to contact.

Hi Tina!
Thank you for your feedback. We appreciate you reaching out!
We prioritize understanding our customers' perspectives in order to continually improve our services, and we're glad to hear that you found the prequalification status helpful.
We appreciate that you took the time to let us know about your experience.
Thank you!
Reviewed June 16, 2025
Very easy to work with! Kept me updated throughout the entire process! Quick response and received funds next day! I highly recommend them for your money needs! You won’t be disappointed! Fair rates and easy and fair terms.

Hi Tim!
Thank you for your feedback. We appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our services.
We appreciate that you took the time to let us know about your positive experience.
Thank you!
Reviewed June 12, 2025
I would highly recommend. It was so easy to do online, and I received the loan quickly. Able to directly pay on credit cards by Upgrade a plus. I have used them before, and it is always a good experience.

Hi Janice!
Thank you for your feedback. We appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our services.
We appreciate that you took the time to let us know about your positive experience.
Thank you!
Reviewed June 12, 2025
I've consolidated bills using an Upgrade loan, I believe this is my third time. The loan application process is simple and straightforward. The loan application, this time, though, a person called to verify my information, and they never did that before. But I rather that inconvenience than for someone else to be getting the loan in my name.

Hi Margo!
Thank you for your feedback. We appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our service.
We appreciate that you took the time to let us know about all of your positive application experiences.
Thank you!
Reviewed June 11, 2025
I've had an excellent experience with Upgrade. I've received two personal loans as well as a credit line that have supported both my personal and business needs. The process was smooth, efficient, and transparent. Their customer service has been responsive and helpful every step of the way. Highly recommend Upgrade for anyone seeking reliable financial solutions.

Hi Jenni!
Thank you for your feedback, and appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the quality level of our customer service.
We appreciate that you took the time to let us know about your positive application experience.
Thank you!
Reviewed June 10, 2025
Wanted to payoff credit cards and smaller loans. This let me do that with lower interest rate and lower payments. Process was easy to follow, just wish the funding fee wasn't so high. Thank you for saving me money.

Hi Joan!
Thank you for your feedback and appreciate you reaching out!
We’re sorry to hear you were dissatisfied with the origination fee offered.
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our customer service.
We appreciate that you took the time to let us know about your overall positive application experience.
Thank you!
Reviewed May 29, 2025
They put my mind at rest immediately responding to my application, and they are transparent and honest. There was hardly any wait time. They seem professional and efficient and I would recommend them to anyone.

Hi Laura!
Thank you for your feedback and appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the quality level of our customer service.
We appreciate that you took the time to let us know about your positive application experience.
Thank you!
Reviewed May 27, 2025
I was very impressed with Upgrade’s service. I needed to order a card for one of my account. I called & spoke to a representative & he told me that waiting for the new card would not be a problem with my application. When I received my new card & entered the numbers & amounts my loan was processed within the hour. I received the loan in my account the next day! They had the best rate offered to me & great service!

Hello Carolyn,
We appreciate your feedback.
Thank you for being a valued customer!
Reviewed May 26, 2025
Adding up all my bill payments I realize I needed a loan. I applied on Tuesday doubting I would qualify. To my amazement my money was in my account the next day. Paid all those high interest rate credit cards, Now I have one payment with less than half the interest rate those creditors gave me. Thanks so much for making my life way easier.

Hi Georgia!
Thank you for your feedback! We appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our customer service.
We appreciate that you took the time to let us know about your positive application and consolidation experience.
Thank you!
Reviewed May 19, 2025
This is the 2nd loan I've done. Everything was super easy both times and had answers within minutes. Deposit was there very quickly. I set up the autopay and get reminders before the date so I don't forget. You can change the date if needed and add extra payments if you want to pay off sooner. Would definitely recommend to anyone looking for a personal loan.

Hi Charlotte!
Thank you for your feedback! We appreciate you reaching out! We apologize for the delayed response.
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our customer service.
We appreciate that you took the time to let us know about both your positive application and overall experiences.
Thank you!
Reviewed May 18, 2025
The best place to get a loan by far. Will be coming back in the future for another loan. It was the easiest time I have ever had applying for a loan and recommend others look into Upgrade for all your financial needs.

Hi Thyme!
Thank you for your feedback! We appreciate you reaching out!
We make it a priority to take into account our customers' perspective to continually try to keep improving the level of our customer service.
We appreciate that you took the time to let us know about your positive application experience.
Thank you!
Reviewed May 14, 2025
My experience with Upgrade was very easy and simple. The loan fee is a bit high but you get great rates. I would Highly recommend Upgrade to put your finances in order. Easy to set-up and logon and get what you need to get the loan best suited for you.

Hi,
Thank you for your feedback — we truly appreciate you reaching out.
At Upgrade, we’re committed to continuously improving our customer service, and your perspective plays a valuable role in that process.
To clarify, all personal loans obtained through Upgrade include an origination fee, which is applied only when the loan is disbursed, in accordance with the terms agreed upon during the application process.
We truly value your input and thank you for being a valued customer!

Reviewed May 14, 2025
To my surprise the loan application was very easy in a timely fashion and the very next day the funds was in my bank account. I would recommend Upgrade to my family and friends in a heartbeat. Great job with great service

Hi,
We appreciate your feedback and recommendation.
Thank you for being a valued customer!
Reviewed May 12, 2025
Upgrade believes in ordinary people! This was my second time coming to Upgrade for a loan. The process is always very quick and easy! I was very happy both times with the interest rates and term choices. Their customer service was amazing, kind, courteous, and prompt. I'm sure I will use them again in the future. Give them a try, I'm sure you will be happy just as I am.

Hi,
We appreciate your feedback.
Thank you for being a valued customer!

Reviewed May 11, 2025
Process of obtaining debt consolidation loan quick and easy and like online app for payments. The biggest negative is not a lot of options for paying half my loan on bills because system only links to certain credit card accounts so therefore I’m penalized and have a higher rate on my loan because one of the reasons for this loan is to pay off closed account and Upgrade would not recognize that account. I even called customer service and they could not help. So I ended up taking all cash option to pay on cards open and closed. Plus funds once approved were in my account next day and been over a week and payment to one of my cards is still pending. Hope this helps.

Hi,
We’re sorry to hear you were dissatisfied with your experience at Upgrade.
We make it a priority to take into account our customers' concerns to try and improve our level of customer experience.
We appreciate that you took the time to let us know that our service level didn't meet your expectations.
Reviewed May 7, 2025
I have applied for and received loans over the last 5 years. Some were for major purchases and home repairs. Funds were deposited fairly quickly. I have also opened up a saving account with them with excellent interest rate. Excellent experience.

Hello Kathy,
We appreciate your feedback.
Thank you for being a valued customer!
Reviewed May 1, 2025
I was very pleased with my loan approval, which was timely. Outstanding service, no hassles. I look forward to conducting more business with Upgrade in the years to come. Upgrade is now part of my financial business plan for the immediate future. Thank you.

Hi,
We appreciate your feedback.
Thank you for being a valued customer!
Reviewed April 30, 2025
The entire application process from start to finish was seamless. I received an answer within minutes. I was impressed that the entire loan process after approval was seamless as well. I would highly recommend Upgrade for your loan needs.

Hello Ted,
We appreciate your feedback.
Thank you for being a valued customer!
Reviewed April 25, 2025
Needed emergency cash for extensive dental work. Easy and fast application. Funded remarkably quick. Easy payment method. The website is user friendly. This is the 2nd loan I have acquired thru Upgrade in 6 years.

Hi,
We appreciate your feedback.
Thank you for being a valued customer!

Reviewed April 24, 2025
This was second go-round with Upgrade. I have to say both times the process was easy of course the second even more so, because I knew what to expect I would imagine. If you follow the instructions you will have no problems. It pays to make your payments on time and a little more if you can.

Hi,
We appreciate your feedback.
Thank you for being a valued customer!
Reviewed April 23, 2025
This was my second loan with Upgrade and the process was efficient, easy to use, with fast approval and release of funds. I appreciate that from beginning to end there were no gimmicks. They made an offer and they honored it. Absolutely no hassle.

Hi,
We appreciate your feedback.
Thank you for being a valued customer!

Reviewed April 17, 2025
Upgrade is so easy to use. The App is very user friendly. Response time on loan request was excellent. The communication from Upgrade was almost in real time. The interest rate was very much in line with comparable companies.

Hi,
We appreciate your feedback.
Thank you for being a valued customer!
Reviewed April 16, 2025
The whole transaction was very easy to apply online. The Upgrade website is very user friendly, and responses were always timely and positive. Upgrade does care about their customers. They have proven their worth, and they can be trusted to perform what they offer.

Hello Hyson,
We appreciate your feedback.
Thank you for being a valued customer!
Reviewed April 15, 2025
The online process was quick and easy to follow. At one point I was talking to real people and found them to be friendly and knowledgeable. I had to upload a few documents and this was not difficult. I received most of the money very quickly; still waiting on one loan company to receive their money, but, this is within the normal time frame, I was told (i.e., for certain institutions it can take up to two weeks for them to acknowledge receipt of the funds). Three out of the four entities to be paid received their money in less than 24 hours. I think that's impressive.

Hello Celia,
We appreciate your feedback.
Thank you for being a valued customer!
Upgrade Company Information
- Company Name:
- Upgrade
- Website:
- www.upgrade.com
