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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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    Page 2 Reviews 5 - 35
    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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    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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    Punctuality & SpeedLoan Process

    Reviewed June 15, 2026

    This is one of the most convenient, fast ways to get a loan. I would do it again in the future. The process is amicable for the times we’re in. I would refer with 5 stars. Thank you.

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    Sales & MarketingPunctuality & SpeedOnline & AppEase of UseLoan ProcessRates

    Reviewed June 14, 2026

    I have come here twice for loans and everything was fast and simple. The app is easy to use and straightforward. I probably could’ve gotten a lower rate with my bank but I didn’t even check. I have dealt here before and pleased with how everything went.

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    Customer ServiceStaff

    Reviewed June 12, 2026

    Excellent customer service, clear and concise without the unnecessary roundabout.

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    Reviewed June 9, 2026

    Every other source denied me. Upgrade approved me in minutes and I finally have a plan to get debt free!

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    Billing

    Reviewed June 3, 2026

    I wanted to consolidate some credit card debt. After completing the request, I was approved and received my funds in a total of two days from start to finish. Totally painless process.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed May 27, 2026

    I found Upgrade while looking for something else. After reading up on it, I decided to give it a try. The process was easy and to the point with lightning-fast response. Customer service was excellent and made the experience enjoyable. My new go-to.

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    Punctuality & SpeedLoan Process

    Reviewed May 26, 2026

    Upgrade is a very good company for fast cash in case of emergency. They are flexible, they have various types of loans to fit your needs, highly recommend this company. 2026 cash in hand.

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    Punctuality & SpeedTimeliness

    Reviewed May 25, 2026

    Quick and easy. Applied and funds were in my account the next day.

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    Punctuality & SpeedLoan Process

    Reviewed May 25, 2026

    As a customer, my new loan was processed quickly and efficiently. Good customers are in a trusted hand with Upgrade.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed May 17, 2026

    Quick response and funding. Great to work with the reps.

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    Upgrade Company Information

    Company Name:
    Upgrade
    Website:
    www.upgrade.com