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3x Buyer's Choice Award Winner

Upgrade Reviews

4.6
1,075 reviewsRating Calculation
A company’s ratings are a time-based and verification-based weighted average numerical calculation of the ratings submitted by consumers in the most recent 24-month period.

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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, a simple approval process and easy banking.

Visit www.upgrade.com/personal-loans
Pros
  • Fast approvals
  • Loans up to $50,000
  • 4.02% APY on savings accounts
  • Same-day transfers up to $100,000
Cons
  • $10 late fee on loans
  • High origination fee

Upgrade Reviews

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    Page 2 Reviews 35 - 75
    Loan ProcessTimeliness

    Reviewed Sept. 24, 2026

    Getting a loan to pay 💰 for my cruise vacation allowed me to seal a terrific offer right away. Origination fee was the downside but the funds are available the very next day.

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    Punctuality & SpeedStaffLoan Process

    Reviewed Sept. 22, 2026

    Excellent time in terms of processing your loan, simple and fast result, whether you are approved or not. Money transfer to your bank is fast.

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    Loan Process

    Reviewed Sept. 22, 2026

    The loan process was easy, and I was able to get my finances under control in 24 hours.

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    Punctuality & SpeedLoan Process

    Reviewed Sept. 22, 2026

    The whole process was extremely fast. I highly recommend Upgrade to anyone looking for a CC/loan. I have many banks I deal with but this was by far the easiest.

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    Loan Process

    Reviewed Sept. 20, 2026

    Getting A consolidation loan was so easy and seamless through Upgrade!! Thank you!!!

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    Customer ServicePunctuality & Speed

    Reviewed Sept. 20, 2026

    Very easy to apply and quick reply. Service was great and timely

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    Customer Service

    Reviewed Sept. 19, 2026

    I received an offer, responded, and funds were deposited in 2 days. I plan to always use Upgrade for my business financial needs.

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    BillingLoan ProcessTimeliness

    Reviewed Sept. 14, 2026

    This is my third no hassle or additional paperwork needed loan which I received next day. Easy payment plan and process. I recommend Upgrade any day.

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    StaffLoan ProcessTimeliness

    Reviewed Sept. 13, 2026

    Everyone I’ve spoken with at Upgrade has been has been kind and helpful. I loan application was submitted and approved on the same day. The money was in my checking account the next day! I would absolutely recommend them to friends and family.

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    PricePunctuality & SpeedRates

    Reviewed Sept. 12, 2026

    I love how fast and quick you get approved and fast you get funds without the hassle. The only thing I don’t like is the high interest rates and charges.

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    Punctuality & SpeedLoan Process

    Reviewed Sept. 7, 2026

    I've used Upgrade twice so far and it's been a simple process, quick and very convenient. Your money is conveniently deposited right into your checking within just a few short days, all without leaving your home. I highly recommend Upgrade if you need a loan, very quick and easy to work with.

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    Transparency

    Reviewed Sept. 6, 2026

    So far my experience with Upgrade has been very positive 👍. Will update in 12 months.

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    Reviewed Sept. 6, 2026

    I really was in need. Everyone was telling me no and not because of bad credit but because of no credit history and I was losing hope. Upgrade approved me in 3 days and blessed me with the money I needed. I will forever be thankful. They made it easy and simple process.

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    Timeliness

    Reviewed Sept. 1, 2026

    I loved how smooth everything went. Once I got my approval the money was in the bank the next day. I didn't even have to speak to anyone, it was seamless and it worked out with no hiccups. I would definitely used them again in my time of need.

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    Staff

    Reviewed Aug. 31, 2026

    First I would like to say “thank you“ so very much! I appreciate you in helping me, and I love Upgrade,

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    Punctuality & SpeedStaffLoan Process

    Reviewed Aug. 31, 2026

    Very helpful and polite staff, quick loan approvals. I've had three loans with Upgrade.

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    Punctuality & SpeedStaff

    Reviewed Aug. 30, 2026

    The process was easy and very fast. The money was in my accounts within 24 hours, thank you for all your help.

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    Punctuality & SpeedStaffLoan Process

    Reviewed Aug. 29, 2026

    What a surprisingly easy and professional company to do business with! I would highly recommend this company to anyone who needs a fast and painless loan!

    Owen

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    Punctuality & SpeedStaffRates

    Reviewed Aug. 29, 2026

    My experience with Upgrade was excellent! I received a quick approval with a decent interest rate, and the funds were transferred within a couple of business days. If you’re planning on doing some debt consolidation I highly recommend them! Thank you Upgrade!

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    StaffLoan Process

    Reviewed Aug. 28, 2026

    Such an easy process. No stress involved and the company is very helpful with any questions. Will recommend to anyone looking for a loan with very fair payback options.

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    Reviewed Aug. 28, 2026

    The process was smooth and seamless. I love borrowing from them.

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    Punctuality & SpeedRates

    Reviewed Aug. 28, 2026

    We have used Upgrade under its former iterations. It has always been easy to enroll and get really good deals in terms of interest rates. The reason I don't give it a 5 Star is because I think our previous record and credit rating should have enabled us to get an even better rate. Due to my dissapointment I might go a different route if I again have the need to borrow quickly.

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    Punctuality & Speed

    Reviewed Aug. 26, 2026

    The only thing was the high fee...Everything else was easy and fast.

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    Punctuality & Speed

    Reviewed Aug. 25, 2026

    Everything was simple and fast. Got the money in one business day.

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    Punctuality & Speed

    Reviewed Aug. 25, 2026

    Love it was easy to get and an easy process. Very fast transferring money. Wish the originating fee was a little lower, but overall would use again.

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Aug. 21, 2026

    I needed help right away and I got a quick response. My loan came through.

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    Staff

    Reviewed Aug. 19, 2026

    Great Experience! Very professional and provided information thoroughly.

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    Punctuality & SpeedBilling

    Reviewed Aug. 18, 2026

    Upgrade made this experience for me quick and easy and now all credit card debit is paid off and I only get one bill a month.

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    Punctuality & Speed

    Reviewed Aug. 18, 2026

    Quick approval! Fast delivery. I would definitely recommend!

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    Punctuality & SpeedLoan Process

    Reviewed Aug. 17, 2026

    Real fast loan and everything pays off real fast. Good job.

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    Staff

    Reviewed Aug. 17, 2026

    I am appreciative of how easy the process was, and how encouraging and supportive the team at Upgrade is in helping their customers.

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    Loan Process

    Reviewed Aug. 16, 2026

    I have two separate loans with Upgrade. The process was simple and my funds were sent within a few days.

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    Loan Process

    Reviewed Aug. 16, 2026

    Very good loan company. Will use their services again.

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    Loan Process

    Reviewed Aug. 16, 2026

    I love the easiness of working with them. They approved my loan and gave it to me within 2 days.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Aug. 15, 2026

    Amazing team, answered all of my questions! Funds were available in 1 business day! Fast, effective, and great customer service! I’ll most definitely keep using them!

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    Punctuality & SpeedLoan ProcessRates

    Reviewed Aug. 12, 2026

    The loan process is fast and easy. High origination fees and High interest rates take off 1 star.

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    StaffBillingLoan Process

    Reviewed Aug. 11, 2026

    While I appreciated Upgrade for offering my loan, I felt my loan could have been more. So far, I've been able to take care of my bills, and I am happy.

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    MaintenanceLoan Process

    Reviewed Aug. 10, 2026

    Very easy experience. I've used them before for several short term loans to perform home maintenance.

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    Staff

    Reviewed Aug. 8, 2026

    Very easy. Very helpful. Came just in time with no issues.

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    Punctuality & Speed

    Reviewed Aug. 8, 2026

    Easy process and super fast. It was a super easy process to apply and get funding.

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    Upgrade Company Information

    Company Name:
    Upgrade
    Website:
    www.upgrade.com