Upgrade Reviews

I’ve used Upgrade several times and have always had a smooth experience. Fast process, clear communication, and easy account management. Funding was straightforward and reliable each time. Overall, a solid lending experience.

When I applied for the loan, I was really surprised how quickly things got approved and mostly, how quickly the funds were transferred. I would certainly recommend to family and friend. It certainly didn't disappoint. This is the one loan offered that was worth trying.

Was sent a pre-approved up to 25k when I went online and was offered 1k. So in my mind this is a scam company. If you send out an offer and then don't and won't match you're a scam. Horrible company.

I was approved on Thursday and funded by Monday. Easy process. Fees are high and interest rate is not the best, but I plan on paying it off quickly. Very upfront. Be careful in selecting the option to consolidate because many of the credit card companies don't accept their payoffs.

Fast! Easy! Extremely helpful! It is helping my family in a time of need until funds become readily available.

The process was fast and easy. I think it took less than maybe 1 hour for my approval. The funds was deposited into my account the next day, the payments and terms are very reasonable. Affordable, and this is a credit builder for me as well.

Other than high origination fee, the experience from application being easy to deposit into bank account is fast, with every detail provided with utmost transparency.

Very easy process. No headache. Little higher interest rate than I expected but doable.

I have taken out two loans with Upgrade and they have been fast and easy. I love them. They have been very helpful when I need them!!!!

Upgrade made the whole process fast, easy, and uncomplicated. I am very happy with the results and appreciate the help that Upgrade provided. I will definitely recommend Upgrade to everyone I know.

I do not think I have ever been so pleased as I am with the process of obtaining a consolidation loan in my life. This was experience I have ever had when it comes to banking. So efficient. I cannot recommend enough. I will continue to work with Upgrade from here on out.

I have used Upgrade for almost 4 years. The process is easy and simple. The only con is the origination fees are high. Otherwise they are great.

Was a little skeptical at first and was unsure if this was the right way to go as far as a loan, but after filling everything out I felt more comfortable with the procedure. Very convenient and looking forward to future business with them if needed.

This was a very simple and quick approval. I was provided with updates and instructions. I really enjoyed this process. Thanks.

Very easy and clear process. Fast approval and funding. I would definitely recommend

So easy, so efficient, no hidden fees.. All transparent..

Very easy process and fast response, I used Upgrade for airline tickets and personal loan, very good experience.

I was approved within a few hours after applying and it took about another day or so to get my money. I'm so glad I came across Upgrade!! I am currently shredding all my credit cards so I'm not tempted to use them.

I would absolutely recommend anyone who is looking for a fair, easy and smart loan process. It literally take only minutes to complete the application and your money is in the bank within 24 hours.. I am extreme happy with the interest rate and the amount to pay back.

Upgrade got me a Business Loan and approved in a few minutes at a responsible rate. The funds were in my bank account within 24 hours. Very smooth. Thank you Upgrade.

Quick, seamless process. Highly recommend Upgrade!

I applied & was approved right away. Was fast & easy.

Very helpful and easy to navigate through the process. This is amazing company that assist you along the way.

Used them a few years back. It was quick and easy, so I used them again recently. Unfortunately interest rates are a little more but, their process is so easy. Great experience all around.

The whole process to get approved was quick and seamless. The communication when I had questions, customer service was very quick to respond. The turnaround time once I was approved was one business day, which was very convenient.

I got my loan in a short period of time. The Rate and origination fee is reasonable. I don't know what else I could say except that I had a very pleasurable experience in obtaining this loan. A++ transaction.

I won't complain about rates, time to process, or credit hit, but internal services and customer service are very questionable. When I got my auto finance I was promised no penalties and ease of extra payments. So far ease is the farthest from the process. They do not allow you by yourself to go online and make extra payments that differ from the amount you set. You can set an increased amount on a specific day, but even when you are ahead, they do not allow any kind of additional payments without waiting through a long hold time for customer service. Then the person you get may not be allowed to process your request. I spoke with a young lady that claimed to be a loan manager and assured me this was not their policy, and it would be reported to IT and resolved quickly. Over a month ago, and so far absolutely nothing. They need to be investigated.

Fast loan process. Huge Origination fee if you can stomach it. If you ever actually need help, when you find their hidden phone number, it will be a call center in India with a long hold time and answers repeated 3x times until they can be understood. If you ask for a supervisor, it will be another rep from the Indian call center. Beware. AI would be a better call center option at this point.

I took out a home improvement loan. I called today 3/16/2026 and I ask if I can pay extra on the principal, and I was told that I could not. This company is forcing me to stay in this loan for the full duration. The only way I can see paying off this loan earlier is if I make additional payments. I advise anyone looking for any type of loan to not do business with this company.

Definitely a ten out of ten service especially if you need the funds quickly. Funds are deposited usually the next day after approval. High interest rates. Will definitely be using in the future if needed.