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3x Buyer's Choice Award Winner

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, 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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  • (890)
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Popular Mentions

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    How do I know I can trust these reviews about Upgrade?
    • 4,967,499 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.
    Page 2 Reviews 35 - 75
    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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    Punctuality & Speed

    Reviewed Aug. 8, 2026

    Fast and convenient. They do exactly what they promise.

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    Customer ServiceStaff

    Reviewed Aug. 8, 2026

    Application process not accommodating to elderly people, lacking instructions and the document upload process is unclear and difficult to complete on a laptop or pc where scanned images cannot be used. Had to use a cell phone to upload some documents. Otherwise, the people were great. They were personable, timely and professional during each stage. Had a few technical difficulties but I’d recommend Upgrade.

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    Punctuality & SpeedStaff

    Reviewed Aug. 7, 2026

    I was approved by Upgrade quickly. The representative I talked to was very pleasant, helpful and professional.

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    Punctuality & SpeedBilling

    Reviewed Aug. 4, 2026

    Ease of application. Fast funding!! This was the fastest I have had my bills paid and mine deposited.

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    Punctuality & SpeedLoan Process

    Reviewed July 29, 2026

    I had a great experience with this UPGRADE. The application process was quick and easy, everything was explained clearly, and I received my loan faster than expected. I would definitely recommend them to anyone looking for reliable financial assistance.

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    Reviewed July 28, 2026

    I have really received a awesome financial experience with Upgrade from travel to medical. Thanks, Upgrade for being there when I really needed you. I will never let you down. ❤️🙏🏾

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    Customer ServicePunctuality & Speed

    Reviewed July 27, 2026

    Very easy and seamless process. Great customer service and fast turnaround time would definitely recommend.

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    Punctuality & SpeedLoan Process

    Reviewed July 27, 2026

    Upgrade is one of my emergency cards, I count on them when things get crazy, so I wanted a loan. There was no problem getting a loan from upgrade, fast, efficient and reasonable, thank you Upgrade for always having my back. Don. B.

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    Loan Process

    Reviewed July 27, 2026

    I have been working hard to better my credit, along the way I found Upgrade. They have been exceptional for my personal loan needs and met my expectations. I am super happy with them and my experience with them.

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    Punctuality & SpeedLoan Process

    Reviewed July 24, 2026

    I needed to purchase something I dearly wanted but did not have the resources. Upgrade gave me a loan and got it to me fast. Thanks, Upgrade. Highly recommended.

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    Loan Process

    Reviewed July 23, 2026

    From start to finish everything was very easy and as long as you submit everything needed when requested you can have your loan in your bank account within 24 hours. I know I did.

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    Loan Process

    Reviewed July 21, 2026

    This was the fastest loan process that I have been involved in. From application to funds in my account was 3 working days.

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    Punctuality & SpeedLoan ProcessRates

    Reviewed July 21, 2026

    Super fast processing, less than one day, lowest rate of all possible loans available.

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    StaffRates

    Reviewed July 14, 2026

    Outstanding Service & Rates. I thought it was an easy process. Great work. Really appreciate. Upgrade. Thanks.

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    Punctuality & SpeedOnline & AppEase of Use

    Reviewed July 13, 2026

    I am so glad I found out about Upgrade! I needed airline tickets in a pinch. I was able to get them using their website with very little trouble. The website is easy to navigate, the application process is effortless with quick approval. Upgrade really comes through when you need it.

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    Punctuality & Speed

    Reviewed July 13, 2026

    It’s super easy and fast. This is my second time using upgrade! I’ve never had any issues and I would recommend to anyone that is looking around at different places.

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    Punctuality & Speed

    Reviewed July 13, 2026

    The process was beyond simple and deposited quickly. I used twice already and was extremely pleased. One time for a cruise and the other to get out of debt and purchase airline tickets.

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    Reviewed July 12, 2026

    Great experience with Upgrade. I am a repeat customer and refer them to anyone seeking financial services.

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    StaffBilling

    Reviewed July 12, 2026

    Am a repeat customer of Upgrade, and they continue to impress me. Just make your payments on time and be responsible, and they will take care of you.

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    Rates

    Reviewed July 11, 2026

    The application process was straightforward, and the competitive rates were impressive. The seamless application and funding process were particularly noteworthy. I have tried other lenders to compare customer experiences, and Upgrade stands out as the best. I wholeheartedly recommend Upgrade

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    Punctuality & Speed

    Reviewed July 11, 2026

    The process was seamless, approved in no time and awaited funds were deposited quickly. APR can be a little high, but all in all, I have had no problems and I'm always satisfied.

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    Punctuality & SpeedStaff

    Reviewed July 10, 2026

    It was easy and quick. When I speak to someone they are very professional and friendly.

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    Punctuality & SpeedLoan Process

    Reviewed July 7, 2026

    The loan process was easy and fast. The funds were available in my account in two days. This was a stress-free process. I highly recommend going to Upgrade first for all your loan needs.

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    Customer ServicePunctuality & SpeedBilling

    Reviewed July 7, 2026

    Upgrade fast response made it easy to consolidate my credit card debt into one payment. I like the convenience of applying online, and having all documents available online as well. I would recommend them to anyone looking to consolidate and streamline multiple debts.

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    Loan ProcessTimeliness

    Reviewed July 6, 2026

    We've used Upgrade twice so far for home improvement loans. It couldn't be faster or simpler. The money was in our account the next day.

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    Punctuality & SpeedStaff

    Reviewed July 5, 2026

    Quick and responsive in a time of need. Much appreciate the experience and professionalism.

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    Reviewed June 29, 2026

    They are easy to work with and very customer-oriented.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed June 27, 2026

    Best company ever, fast approval, deposit and excellent customer service.

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed June 27, 2026

    I am a repeat customer of Upgrade, and they continue to impress me. I recently took out a personal loan and was approved quickly. Just a couple of days later, they reached out and offered an opportunity to refinance my auto loan. As a first-timer to auto refinancing, I was a bit unsure of what to expect, but the entire process turned out to be incredibly simple and straightforward. Why They Stand Out:

    Top-Tier Customer Service: Truly the best customer service I have ever worked with.

    Clear Communication: They take the extra time and attention needed to make sure you fully understand what is being asked of you as a customer, and exactly what is needed on their end.

    If you want a seamless financial process backed by a team that actually cares about clear communication, Upgrade is the way to go!

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    Punctuality & SpeedLoan ProcessRates

    Reviewed June 24, 2026

    This was a quick, efficient way to get a loan. I was pleased with the service and rates.

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    Loan Process

    Reviewed June 22, 2026

    I was happy to be receiving a $10,000 loan but what I wasn’t happy about was not seeing the full amount in my checking account. That’s my fault not theirs, but that high fee will definitely encourage me not to come back.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed June 22, 2026

    Very quick on responses and approval. 2 days I was taken care of. Thanks.

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    BillingLoan Process

    Reviewed June 20, 2026

    Well everything was seamlessly. I've been a Upgrade customer for years with the credit card. The loan section is really good too. Other than the origination fee everything else is good.

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    Customer ServicePunctuality & SpeedLoan Process

    Reviewed June 20, 2026

    Thank you for giving me a chance on all the other loan places denied me. Thank you also for being fast, efficient and customer service was great as well.

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    Punctuality & SpeedLoan Process

    Reviewed June 20, 2026

    Very easy to apply, had no problems whatsoever! Great to work with and approval was quick, it took only a few days to apply my loan request.

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    Punctuality & SpeedStaff

    Reviewed June 19, 2026

    We needed to get things together quickly, and Upgrade helped us tremendously!! We are so appreciative! Thank you. ❤️

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    Punctuality & SpeedStaffHonesty & Transparency

    Reviewed June 19, 2026

    This is the first time with Upgrade, and I have to honestly say, I absolutely love it. From start to finish, while financing my HVAC system, it was quick and simple. Great staff.

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    Punctuality & Speed

    Reviewed June 16, 2026

    Quick and easy process, funds available fast. Definitely will be using their services again.

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    Punctuality & SpeedRates

    Reviewed June 15, 2026

    Extremely fast and easy process! And by far the absolute best rate I was offered.

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    Upgrade Company Information

    Company Name:
    Upgrade
    Website:
    www.upgrade.com