Upgrade Reviews

I do not recommend doing it unless you are in a really desperate position. They offer it as a loan but it is really a credit card with “Very High” interest rates. If you miss a payment they will immediately report it to credit bureau and they will sell the credit debt to a third party.

Just closed the "credit card" I had with them (never used; astronomical interest rate). Still have a personal loan. Tried to change my mailing address after I recently moved (phone number and email are the same). They wanted a copy of my lease, DL, and a photo of me holding up a document with my account info sent to them through email. I said no, so they are refusing to change my mailing address. Almost 60 yo, have never had such a stupid request from a "bank" to update my mailing address. Plus, customer service folks are rude. Time to look into refinancing that loan.

They said I was pre approved for the loan. When I filled out the application, they denied me with a fico score of 700s. All they did is take points off Credit. Definitely would not recommend this company.

I took out a "home improvement loan" to replace windows. It is not an installment loan. It is, in fact, a revolving account with a fixed rate and fixed term. Why does this matter you may ask. Your credit report will suffer because the "loan" will be posted to your credit report as a maxed out Line of Credit. It looks the same as a credit card that has max utilization.

I'm writing this review in the hopes that I can educate folks to not make the same mistakes I did with Upgrade. They offer a product called the Upgrade Cash Rewards Visa (or something close), only it's not a credit card in any way. It's a series of payday loans advertised as a credit card, some have reviewed it online as a personal loan, but it's not, it's payday loans. First thing to get out of the way, I should have read the agreements a lot more carefully and realized the card was a scam, I didn't, shame on me. However, I'm shocked that someone at any financial regulatory organization would allow this to be called a credit card. It's not, it's micro payday loans, let me explain... First, it's not revolving to the consumer. It's revolving for Upgrade which is where you, as the consumer, get ripped off.

Do not trust Upgrade with your money! My account was suspended for suspicion of unusual activity, but no one can specify what the activity is, and all transactions I can see were authorized by me. It has been four weeks, and I still cannot access my funds. Initially, I was informed it would take up to 30 days, but now they are suggesting a timeframe of 30-45 days without any assurance that this won’t continue to extend. They are holding my money hostage without providing an explanation or remedy, and I am now compelled to seek legal advice to access my own money. Do not bank with them!

They are easy to follow; they guide you through every step. Your loan is disbursed within two or three business days. They directly deposit it into your bank account. Everything went smoothly, so they followed up with you to inquire about how things were going. Following the loans, they check up on you.

I was a victim of identity theft, the perpetrator used my identity to open up two accounts and made payments like it they were his accounts. This caused the accounts to be charged off on my credit reports and damaging the credit that I worked hard to establish. They caused me a bunch of mental issues, I lost my employment opportunities because of them and their antics. I got evicted from my apartment, lost my car, I have no money, no family, friends or financial support. I have explained this to them several times nicely, they only seem to understand anger and frustration not even that fazes them. I have promised to sue them not threaten them but I have not been able to seek counsel to take my case and I want this resolved asap. Please do not apply for any loans or credit cards with this company. They will take advantage and lie to you constantly. Please take my situation as a lesson and do not trust them or anything else with them.

For years I wanted help to consolidate my credit card debts and after going to over a dozen big banks and well known lenders/loan companies I almost gave up. Upgrade saved me! They had the best rate, and going with Upgrade will save me thousands than if I stayed with paying off my debts the original way. I'm so relieved now. Instead of having a dozen credit card minimum payments every month, I now just have one payment to upgrade. I now have extra cash each month to put into savings. I can finally see the light at the end of the dark tunnel that I've been stuck in for over 20 years. Thanks Upgrade!!

Decided to reply to a mail offer and try the one card with checking plus for a $200 bonus. Opened accounts, made the 3 debit card purchases, have direct deposited over $7500, 3 months later I have spent close to 6 hours on 4 different customer service calls, still have not received the 200 bonus, currently they request 2 additional weeks to have a back office review my transactions to see if I qualify. I have filed a fraud complaint with the FTC.

I started using Upgrade as a loan server back in 2021 to cover an unexpected car repair. At first, I was thrilled at how quick and easy the process is. To be fair, it still lives up to that. I was able to get approved and money in my pocket in a couple days. Very easy experience. Even into the payoff period, the website is very easy to use. It's very clean and orderly. Unfortunately, I noticed that my first payment wasn't being taken. I'd scheduled my payment, but nothing was charged. I called customer service and they were very rude to me. I felt very belittled. Eventually the due date passed and I was contacted daily by them to collect payments. My outstanding scheduled payment in the past remained on the clean, modern dashboard. "Your method of payment will be charged 32 days ago..." The following month they took my payment and reported me as 30 days delinquent.

The loan process was fast and easy. Everything was done online, and the instructions were simple and easy to follow. The cash arrived quickly, within a day or two, into my account. I would recommend Upgrade to a friend. Everything you need to manage your account, can be accessed through the app.

I did some research on them and they seemed like a reliable organization. They asked a few questions and I did end up speaking with a very nice guy. I was approved within no time and the money was deposited into my checking account within a few days. I have paid off the bills that were bothering me - what a pleasure. My payments are very reasonable. So far, I am very happy with Upgrade!

I have used Upgrade for personal loans, line of Credit and checking account... the process is easy, fast and convenient. I found the process so easy and I was able to get a personal loan pay off my credit cards and now I pay less per month and will have it paid off quick. I am so happy I found Upgrade and will use them again. I don’t have a great credit score but now that I have paid off the high-interest credit cards my score is going up.

Very accommodating, very pro applicant, easy to navigate and to process, this is my second loan with them and I’m very pleased how helpful they are, when I’m paid off I will definitely apply again for another loan, thank you, hope everyone has as pleasant of an experience as I've had.

Will recommend Upgrade to family and friends. Easy to apply, quickly approved. Funds was transferred to my account within two to three business days. Uploading documents was easy a day quick. I will recommended to everyone, try it for yourself. It's really easy and fast. You will be satisfied. Great customer service as well. They will help you if you have questions. Thanks for helping with my financial needs. :)

Went well. Very easy they walk you through everything. You get your loan in two or three business days. They deposit it right into your bank account. So everything went well they check with you and let you know how everything is going... They check on you after the loans.

All my dealings with Upgrade have been excellent!! Would definitely recommend for credit card and personal loans. Ease of application and review and quick decision. Upgrade app is user friendly and convenient to keep track of accounts. Have not needed to use customer services as everything has been smooth and seamless.

Got an offer to apply through the mail. I was skeptical at first. Smooth process when filling out online application. Application was easy. Online process was great. They distributed monies where they should go. No problems when I called customer service to check on loan status and they followed up immediately. I would recommend them to a friend or family member.

I would absolutely recommend Upgrade to everyone I know. When I applied for a loan, Upgrade was very straightforward about what information they needed and made it very easy and convenient to be able to get it to them. They kept constant communication with me through the whole process. When they told me they would get back with me about anything, they did in a timely manner. They walked me through the whole process. Upgrade will make sure when applying for a loan that it’s completely stress free and they work hard on getting you the loan you need. If I could give 10 stars I definitely would.

Upgrade reduced my credit limit by more than $1500, which was $750 less than my current balance, causing me to exceed my limit. I contacted Upgrade several times to get this issue reversed, but they declined. I highlighted that I consistently made timely payments and paid the total amount every time, which applies to my credit accounts with Upgrade and all my other accounts.

Upgrade was fantastic to work with UNTIL I did a balance transfer of my remaining balance to another lender for 0%. They punished me for paying off my balance early. I had a $10,000 line of credit with them that I used for projects (I'm a house flipper). I had a balance of about $7,000 from a previous project on this LOC. Because I was planning to start another project I transferred this balance to another card that I had with a 0% balance transfer rate. I did this purposely so that I could use the full $10,000 from Upgrade for my new project. But Upgrade almost immediately REDUCED MY LINE OF CREDIT TO $3,000! I couldn't believe it.

My experience with Upgrade was seamless and QUICK! Within a matter of days, my credit cards were paid and the remaining balance was in my personal account. Every customer service representative I spoke with was professional, knowledgeable and friendly. The only issue I came across was when I uploaded the requested documents, the site did not acknowledge they were uploaded.

My rewards checking and premier savings accounts were suspended without any info. My debit card attached to rewards checking account also frozen. I called customer service and they said my accounts were under investigation by the back office without providing any further information. I’m unable to access my funds or make any transfers.

Upgrade was there when I needed them most. Quick Cash to pay some bills without liquidating my sterling investment portfolio. Thanks Upgrade for all you do. I would recommend them to anybody who is in need of some quick cash when they are in a pinch. Their web site is intuitive and easy to use and their tech support is there when you need them.

The online application process was easy to follow and not overly lengthy. I appreciated seeing the options for term of the loan and the impact those options had on interest rates. I will recommend Upgrade to my friends and colleagues.

I applied for a loan through Upgrade and had nothing but negative experiences. The loan was not approved in the timeframe they claimed it would be, and once approved, the money did not arrive. When I called to check on the holdup, my request was canceled, so I had to go back through the application process again. Rather than the few days the company claimed to take to fulfill the loan, it took nearly a month, which led to more fees and fines from the accounts it was supposed to be paying.

I've used Upgrade in the past and they have never let me down. Decent rates and lengths of time to pay loan back. Will definitely recommend to anyone that needs a loan or a way to consolidate debt. Kept in mind that it will take a few day to get credit cards paid. I've be waiting 2 weeks now for this one.

I have very good experiences with Upgrade since first opening up an account. The company is very easy to have a working relationship as well as being concern with my overall credit and financial need. The customer representatives are professional, knowledgeable and courteous at all time. I appreciate the upgrades in credit and on going reviews to my credit health knowing that incentives are considered to reward me as I continue success with keeping my financial need keeping on track. I feel relaxed knowing that I have help when needed as well as easy alternatives like direct payment from my bank account to provide and easy to pay without hassle.

I applied for a personal loan. Within two days, I was approved, and the money was immediately in my account. The loan process was pretty easy and quick, minimal work. My only issue is the high APR, but then again that’s pretty much everywhere now. Thanks Upgrade for helping me get back on track.

I am so glad that I applied for a loan & was approved. Definitely been able to consolidate my debt in these uncertain times. This is such a relief to know that they are there to help. I’m glad I took the time to read and understand the process to be approved within a week.

I love the way the customer service was polite, friendly and helpful in answering questions and informative on the products. They asked questions to make sure that they have the correct customer and to make sure there’s no fraud. If there is something that you don’t understand or what to do, they take their time and go through everything and make sure that you are satisfied and everything is completed to the customer satisfaction. Well done and thank you very much for your customer care.

I wasn't told upfront about the penalty that is subtracted from your loan amount. I was expecting 13,000 to be deposited into my account but instead I received 11,600!!! I was a completely shocked, and I still have to pay the full amount of 13,000 plus interest, I definitely would've reconsidered moving forward had I known this large amount would be subtracted from my loan amount, I could've looked into a home equity loan at my bank, with zero hidden fees. Therefore, I will pay this 13,000 plus interest back as soon as possible and close my account! In the future train your representatives to tell the customer upfront the trap they are signing up for! :-(

From start to finish the whole thing was done online and took just a few minutes. The process was so simple and easy that I kept waiting for "the catch", but it never came. I got an incredible rate and the money was in my account within two days. I could not have been more thrilled with the experience, and highly recommend Upgrade.

This is the 3rd time with Upgrade. Being approved for 2 of my loans has been helpful for what my need was at the time. I also have the Upgrade card that gives me the convenience, if an unexpected situation comes up, to pay as needed instead of borrowing more. I would recommend Upgrade to everyone.

I needed a loan for a credit card consolidation. I had used Upgrade before for a loan and had good service. The loan application was a very easy process and I received the funds I needed in a quick and timely manner. Part of the funds went directly to the credit card and part of it went to my bank account. Making it a very smooth transaction. I would definitely use them again.

The loans were paid off in September. The balance been "O" for over a month. The worst company I have ever dealt with. They will give you nothing but excuses. I want to give them no star because that's what they deserve. The customer service? What a joke. I file a dispute with a credit bureau and they still on my credit like I owe them money. They will illegally run your credit and if goes down they will lower your credit limit with Upgrade. How there they say that the information is accurate on my account to the credit bureau.? I cannot wait to see another lame excuse from them. Stay away. Save yourself a headache.

This is my second loan from Upgrade and it’s so easy. I can’t believe how fast they are. If you need money fast and easy this is the place to get your loan. If I need anything after this is paid off, I will choose Upgrade again. I also choose autopay to make it even easier.

Received my personal loan so quickly, no hold ups, received it so quickly, I can not thank them enough. Proud to have them in my life. Thank you. Thank you. Thank you. They again gave me what I requested. Yes I will tell anyone they will help you if you show them you will pay your bills

Upgrade has been a god sent… Very easy process. Everything done online in a timely manner. Reddit score is not the best but definitely not the worst and rebuilding with the help of upgrade even thinking about refinancing my car with them. I have been recommending them to everyone. If you haven’t tried them you should better interest rates than any other company and again very easy and simple and quick process.

It was a very easy and quick process and customer service was very friendly. The application process was very easy to complete and funds were deposited very quickly. Interest rates are fair and all the information I needed to complete the process was very upfront. Customer service was cheerful and pleasant.

I got a line of credit to go to school and everything has gone fine until this year when they keep lowering my credit limit as a big thank you for making every payment on time. They appear to lower it after every payment. Not all credit cards utilize this very frustrating and unfair practice. They choose to, so I say choose another company, or better yet, avoid credit cards or loans at all cost.

Very easy to apply. Fast reply. Fast funding. Very competitive rates and fees. A pleasure to do business with. I would definitely recommend this company to anyone looking to consolidate their credit card debt. I applied online. It was a fast easy process. Easy to read and understand instructions.

Only thing that was frustrating was the pic with account number. I had to take several photos by myself and it was very difficult to include arm that held paper. I didn’t understand why the arm had to be included. I would think that the license being held pic would suffice. Other than that, the process was what expected and proceeded very smoothly.

Excellent company...Was efficient and quick with my loan application...I would recommend this company to anyone who want to borrow money with a decent interest rate....Also, they keep you informed of all the activity regarding your account...This loan is great for your credit score...especially if you are trying to increase it.

Easy company to work with. No complaints.. Other than could have used a little better interest rate. But, it's been a easy process so far. And I really, really, really, really need a better rate... They did do exactly what they said they would and you can't really ask for anything else. I would refer others to use this company.

This is my second time getting a loan with Upgrade. Easy to load documents and identify bank electronically. Have the credit card also. Easy payments back and no penalty if paid off early. Got better interest rate because paid off my credit cards which I wanted to do in the first place.

Made it very easy and simple to apply for a loan. No hassle at all. Everything was self explanatory. Was quick and let you know immediately if you were approved. I would definitely refer a friend to apply if they need a loan. Great rates which are easy to handle.

I’ve been thoroughly satisfied with all the products I have received through Upgrade. Customer service is easy to get a hold of, and has always resolve my problems in a prompt manner. I think the interest rates are competitive, and the benefits with the debit card are better than the average bank.

The process of getting a loan was quick, easy and great interest rates! The funds were transferred quickly. I was impressed about the ease of applying for a loan, communication was clear and fund transfer was accurate and fast. I’d highly recommend this company to anyone looking to refinance credit cards.

You were supposed to pay off one of my loans that was listed in your companies that you service but apparently they rejected your payment and you sent them a check instead. No notice to me about this and now I have a loan payment coming due that should have been paid off already. If you would have contacted me sooner we could have arranged something else. Your customer service representative wasn’t really helpful at all.

Do Not waste your time. I applied for a loan. Only thing I got from them was a debt relief offer? You know the ones? You default on all your debt, pay the debt relief company instead. They charge fees up to 30% to handle your debt relief, while your original creditors destroy your credit rating. Sounds amazing right? What happened to the debt consolidation loan you offered? In my humble opinion - Nothing but bait and switch. Disgusting.

I am extremely pleased with all my experiences with Upgrade! Excellent service and fast approval process all done online! Love this company! They really helped me when I needed it most on my financial goals. I highly recommend them with two thumbs up! Everything went so smoothly each time I reached out to qualify for a loan. Great communication throughout the process from the time I started until I received my funds. I also use their app for convenient auto payments.

It was very quick, easy and smooth process. The easiest loan I have ever taken out. I applied for the loan one day, next day received approval and the following day received the money in my account. So so easy. The rates and payment was exact on line when quoted. Excellent.

Upgrade's biggest problem is lack of communication; both credit & checking. No warning, no apology, just *suddenly* quit releasing direct deposit funds when received, changing pay date from Tues to Fri. (Cust service feigned surprise). Imagine how many people that hurt! Charge dispute required chasing cust. service for updates as well. Email changes & updates to your customers! Too bad I referred two others last year. 5 star bank until last 5 months, easy approval & free rewards checking. After ALL on time payments, credit limit drops after each payment impacting avail credit (which affects my credit score) & they also increased my interest rate. Drop my limit so my score drops to justify dropping it again...wth? On checking: VISA disputes go through VISA, so can take 2 months to get money back (as mine did).

Very professional and fair, I would recommend a friend. When I was in need and credit score was not that good Upgrade helped me with no problems. Thank you being there for me and my family. I hope in the near future I can get Upgrade to help me out again. You don’t have to have a perfect credit score.

Upgrade is very kind and make a tough situation easy to get through. Thank you for working with me! I now know where to go for help. I would recommend to friends without any doubt. Again thank you for your help. Glad to be part of your family. Very helpful!!

This was the most seamless and quick process I have ever experienced. The process is professional and thorough yet streamlined for a speedy turn around. They also had the best rate of anyone else around. I would highly recommend going through Upgrade. I now have two loans with them. And I would use them again in a heartbeat.

Process to submit and approved for a loan is quick and simple. Everything was done online and within less than an hour the confirmation of approval was received. Funds was available pretty much the next day. When I need funds I know I will return as long as rates are competitive.

Upgrade was recommended to me by a friend. I was hesitant at first due to the fact that a family member took all of my retirement money. So at 70 yrs old I had to go back to work. Then I was out of work for the first 7 months of 2023. So my credit score was in the tank. But, Upgrade made it very easy to file. I only wished that I had asked for more. Thank you Upgrade.

Great service with quick approval. Could not have been easier. I appreciate the fact that all this can be done online in a quick efficient manner. Money was in my checking account the next day. I recommend Upgrade for any money needs. The payments come out automatically every month from my checking account. No worries and no hassles. Thank you for making this process so quick and easy.

I applied for a loan to consolidate and pay off credit cards. The process was straight-forward and easy. There were several options offered and I chose the loan that fit my needs best. The approval was quick and the funds were transferred to me quickly as well. I would recommend Upgrade to a friend.

Found myself in between pay periods needing funds for an urgent unforeseen matter that couldn't wait. Upgrade was the answer for me and they didn't haggle or judge, nor did they disappoint. Online application process was very quick and easy and received the funds the very next day with easy repayment plans.

Thank you UpGrade for being there and giving me the opportunity to pay off my Bills. This Loan does help me a lot and I will try to pay it off early, if nothing else goes wrong in my financial life ... LOL ... This is a very reasonable pay back loan. I will make good on it, and I want my credit to go up. Thank you again for my loan.

I would love to give zero stars if I could. I have done nothing but pay on my debt from them as well as pay down my other credit card debt by thousands of dollars. I have not taken a draw in many months, simply made my payments on time and yet this company regularly decides to lower my limit so that every time my credit score goes up, it goes right back down some due to them repeatedly lowering my limit. They claim it’s due to delinquency/public record, yet the one and only public record is something that is 7+ years old at this point and was on my report before I opened an account with Upgrade. I contacted customer service about this and they were absolutely zero help.

I needed a personal loan and Upgrade was there for me. I already had a card from them. But I needed a larger loan. It was a convenient online application and the approval was quick. And I got the loan by direct deposit to my account within 4 business days. I would recommend them to family and friends. Thank you Upgrade.

I have used Upgrade once before and had great service with them. The online information was easy to understand and complete and the money was ready to access within twenty four hours. This is the second time and was even better. I would recommend this company to people I know looking for a loan.

The application for the loan, the approval of the loan, and the funding of the loan went very smoothly and quick. Seems like a great place to get a loan. I spoke to one of their staff members briefly during the loan process, and he was very knowledgeable and friendly.

From my initial contact, I have received first class treatment by all reps that I have encountered, as well as great products and services. Easy to navigate system and very easy to do business with. Great follow up and ongoing communication. With so many options out there, I don’t see how any other choice could possibly be better. I use the Upgrade Visa, and also loans. I can easily say that I highly recommend Upgrade.

When I needed a loan a couple of years ago Upgrade was the only one who would. Now that I wanted another loan I would not go to anyone else. I would not go to anyone else for fast and helpful service. Flexible and great loan rates and no early payoff penalty.

I reluctantly filled out the form, as I've been wanting to do this for some time. I knew I wouldn't be approved, but it was simple to try, I thought, why not. Much to my surprise, I was approved. I used every last cent to consolidate. Thank you thank you for taking the burden away of making sure I've made every payment.

The Upgrade website is easy to navigate, and the email reminders are a plus. Upgrade has a good selection of products and options, and their response time is fairly quick. I also like the available auto-pay feature and its benefits, it is nice to not have to remember due dates.

When I was looking to get a loan to take care of my credit card debt I came to Upgrade. I had dealt with them in the past and it was a very professional experience. Needless to say it was a no-brainer to come back again. Application process online was very simple. Highly recommend Upgrade.

I was overall happy with the process. I just wish I knew in advance that you took the fees upfront. I would rather have the fees tacked onto the back of the loan or made aware that the amount I was requesting would be less than what I would receive.

This is my second personal loan through Upgrade. Easy to apply, easy to upload any info they need and quick response. Friendly, knowledgeable folks that answered all my questions. Money was deposited directly to my account promptly. I will definitely use them ago if the need arises and recommend them to anyone that needs a personal loan.

Just so very easy to work with and they get a response to you very fast, and they were also very fast and quick about getting your money to you. I would definitely recommend this organization to anyone that needs a loan that qualifies good for it because they are so good at helping you out.

My experience with Upgrade was very good. It was a quick turnaround for approving the loan and depositing the money. Even factoring in a holiday Monday. Easy setup on the website to make payments. I would recommend this company to a friend. Looking to do more business with them in the future.

I had to apply for an emergency loan. Upgrade provided good customer service and I appreciated their help. The money was in my account the next day as they promised. Since I am already in the system, I am assured that they will accommodate me if possible. I contacted them on a holiday late at night and they responded. I also referred to a friend.

Working with Upgrade was very efficient and rewarding. My needs were met and I was able to start paying off debt sooner than expected. I am looking forward to sharing my experience with my family and friends. Being able to utilize the account manager online helps me avoid unnecessary wait time on the telephone.

I felt that everything went very smoothly without any hitches except the website didn't work sometimes. I was able to work around the website problems by sending the information to the email address, which was very effective. The staff was very professional and helpful with any questions that I did have.

I feel like this is a great company to work with. They have the best customer service. Everyone I work with is friendly, helpful, patient and really great. I look forward to many more years working with this company. The process is easy and fast. The Website is easy to maneuver and you can find what you're looking for quickly.

Cannot believe the fast response with minimal questions, great payment plans Upgrade has to offer. Upgrade really helped me clear my debt and gave me peace of mind, that I can at least breathe a little. Will recommend Upgrade to the ones trying to keep their heads above water in this crazy inflation.

I just received my second loan from Upgrade and it is one of the smoothest and easy transactions you'll ever experience. There is no hassle of any kind and money is deposited into your checking fast. It's a really great experience. It's so nice that there is someplace like Upgrade that can help you out from the comfort of your own home. You won't be disappointed.

The application process is very easy and straightforward. The autopay feature is also quite efficient and easy to set up. The list of potential lenders gives enough options to truly figure out the best fit. I would recommend this to anyone looking for a quick easy fix for their financial troubles.

This is my second time getting a loan from them. It's very easy to apply. I also love the app, everything you need to do is on the app. It's also very informative and very helpful. That's why I keep coming back. I've had no issues first round and don't see any issues this round. Thank you so much!

I requested $10,000.00, only received $2,000.00!!! They come to see fit about me getting the whole 10 ggg's. This was the only thing I have to complain about. I were tell others about this, but I would have to say, they was fair.

The entire process was so smooth and quick and easy to complete. Also, the app on your phone is very user friendly and works better than the site on the computer! Upgrade will be my go to for any future personal loans!

Online application is very easy and received an answer in minutes. I am happy with the process. They paid my creditors directly in full and sent me notifications of the payment. The rest was deposited into my bank account in a matter of days

Everyone was helpful. Easy to follow instructions online (even for an old lady!) and upload required documents. Very happy with the whole experience. Funds appeared in my account within 2 days with no problems. Couldn't ask for a smoother transaction! I would certainly use Upgrade again if I find myself in need!

Appreciate everyone that works and handles the accounts for their customers. I am very pleased with my service since I have been doing business with these folks. Any questions I may have regarding my account the staff at Upgrade have been very professional at handling my accounts.

My experience with Upgrade is excellent. This is my second time applying for a loan and I preferred to do it with them because they are very fast and effective. Both the customer service and the website are designed to be effective and highly reliable. The monthly payments are very affordable and help you get out of debt responsibly but comfortably.

This was quick and easy to complete. No issues with anything. I've used Upgrade before so most of my info they already had on file. Just updated and they checked my credit and I was approved. It is really gonna help get me set on an easy budget that I can not only pay my bills but save more each month than I have ever saved. Thank you.

I was amazed at the speed, professionalism and convenience of this process and the team members involved. When you are accustomed to hearing "NO, WE CAN'T", receiving a "YES, WE CAN" leaves you sort of speechless!! THANK YOU!! I could not believe it when the funds were deposited in my account within 24 hours of approval. SIMPLY THE BEST!!

Application process was quick and very easy to get completed. It was really nice that the Approval happened within a couple of days. Had the money as advertised in my bank very quickly. Overall it was a smooth transaction. Good job.

My experience with Upgrade was great. I have recommended Upgrade to family and friends, great company, fast process and very honest. The loan process was very easy and customer service was on time answering my questions in a timely manner, once my loan was approved my funds were available when they told me they would be.

Experienced an awesome, fast and easy application for a loan particularly when a live Upgrade representative answered my phone call when I was experiencing difficulty via online application. He explained, guided and stayed with me throughout the application process. As he promised I had the money in my bank account in as little as three (3) days!

I applied for my loan and was given a quick approval and funds were deposited within a couple days and as agreed upon. Definitely recommend to anyone looking for a loan at a fair rate. I have had previous loans with this lender and have paid them off with no penalty.

Needed a little extra cash for a needed purchase. Submitted a request and in little or no time it was approved. Got the cash I needed and able to get the item I needed before others had a chance to purchase it.

Upgrade has been a reliable and honest resource. If have debt issues, wanting that big purchase, or for whatever reason, Upgrade is there for you. Find out today if they can help, they helped me with my requests and I’m thankful for their help.

Upgrade is our go-to for reasonable and fair personal loans that can be paid off quickly and have competitive interest rates. They are easy to work with and once you have set up an account you can do everything online - super user-friendly! Highly recommend!

Fast and convenient with respect to you. Prompt service and kept well informed of the complete process. Excellent personnel to work with that has your needs and respect in mind as well as your security. As said very prompt service from a great company.

As a prior customer, the application was very quick and easy. Approval was very quick, happening within minutes of submission. However, it took over a week to get the funds deposited into my account once approved. I will use this service again if needed.

My experience was an easy, no hassle experience. I filled out the necessary information, was given help if I didn’t understand something and I received a response very soon after my appropriate documents were sent. I would use Upgrade again as well as recommend them to a friend.

These guys were fast and courteous and very knowledgeable about their product with pressure to move forward if I choose not to, but made it very easy so I could. I encourage you guys to give this company a try. You'll be glad you did.

I came across Upgrade while checking my credit score with Experian, and I went ahead and applied and it actually went pretty fast and smooth to my surprise. So I would highly recommend it, and would actually consider using this in the future for other products that they provide.

This is my second loan with Upgrade. The staff is really helpful and worked well with me both times. The only recommendation I could make to improve the process would be to have a more detailed list of everything needed to streamline the process. I would definitely recommend Upgrade to anyone looking for a loan.

The loan experience with Upgrade was a good experience except for the high loan fees that I didn’t quite understand as good as I should have, The $750 was a bit too much for me even though I needed the money in a short time frame. If that could have been a little better I would have rated Upgrade 5 out of 5 stars, but I still will rate the experience 4 out 5 and would do it again with a little better deal…

Always very helpful. When I have requested funds they were deposited in my account in a timely manner. Compared to other cards I would give Upgrade a 10. I had never heard of Upgrade so when I looked into it your services seem to be second to none.

It was a quick and seamless transition from application, to approval to deposit. The entire transaction was transparent, and the website is easy to navigate. I highly recommend Upgrade, and their services. I am a return customer and will use them if I ever need them again!

I was very surprised at how easy and fast the process was to receive the loan amount that I requested, and how fast the money was deposited into my account. Everything was explained very well on the website, which makes it unnecessary to have to call them to ask questions. I would definitely recommend Upgrade for their exceptional service!

Upgrade has given me a great opportunity to consolidate my bills and to better myself financially. Didn’t actually think they would give me a chance for a loan but grateful for this opportunity to build a better future for myself and my children.

Service was good and questions and issues solved. Staff was courteous, information was correct. Information kept private. No problems with the bank and reception of loan. Took longer than the first loan but I will repay and use Upgrade again,.

Upgrade has a great product offering and they are highly efficient in getting your loans approved and funded. I have many products with Upgrade - loans and credit cards and will do more business with them in the future. They have competitive rates and programs.

I know some people were upset with the one time fee, but it was worth it to me to get out of a jam. I also like how you can borrow only what you need and not forced to borrow a huge amount. Thank you for saving the day!

So I was worried I had to pay the IRS and I applied for a loan to pay it off. The process is so simple and I got a decision right away. The funds were in My checking account the next day. I will definitely continue to do business with Upgrade! Thank you!

Would recommend a friend anytime, the process was smooth and I never got frustrated. The rep was very respectful and professional. Didn’t think I was gonna get approved but Upgrade made that happen. If I ever need another, it will be Upgrade.

It was involved but worth it to get a great rate. A rate that no other company would even try to match. Customer service was top notch and helped me through every step. I highly recommend them. I also didn't have to go through a lot of automated steps.

We needed to get a loan for a new roof. Upgrade was wonderful and came in with the lowest rate. It was also extremely easy to apply for the loan and have it approved and the money was in our account two days later. I would highly recommend upgrade to anyone who is searching for a loan. I would definitely use them again!

Upgrade has helped me twice with financial flexibility. Unlike other lenders that you have to go through a needle to be approved, this company made it simple for me with a clear monthly payment plan. I highly recommend that if you wanted to improve your credit score, try upgrade

I appreciate that the process is not difficult in determining eligibility and it is quick. Also, I’ve always had a pleasant experience whenever having to call in and speak with someone. Upgrade has helped me when in a few tough situations and will continue to have a good rep in my mind.

Only took a few days to receive funds from start to finish. Would recommend Upgrade to anyone who's thinking of getting a personal loan. In addition, Upgrade also may offer a new customer an Upgrade Card with more flexibility compared to a traditional credit card.

Your application is quite long and ask for an incredible amount of info. But your associates were very helpful and they had a good attitude. My contractor could not start to remodel my house until the loan was approved. That put me behind on my remodel job. But I do appreciate the loan being approved.

The whole process was smooth and transparent from start to finish. Easy peasy. It took very little time from start to finish. Maybe 15 min total. Customer service is also very knowledgeable and easy to talk too. Would highly recommend.

Was a very easy and helpful transaction. Everything went as promised. I would definitely recommend Upgrade. My cards were paid off as set up, and funds deposited In one day of being approved. I think that the rates were fair as well.

Wonderful communication with people over the phone. Fast and friendly. Service Is 100% good job. They said what they would do and they did what they said that was going to do. I would suggest anyone that needs some type of systems of service that they go to your Is program Or company.

The loan process was very easy and quick. I did it all from my cellphone. Once the loan was approved, I put in my credit card debt information. The day the loan was approved, I received the funds in my bank account minus my credit card debt. That amount was sent straight to the credit card company. This was effortless!

My experience with Upgrade has been great. I would recommend them to my friends, family. It was a fast process, and all my questions were answered in a positive manner. This is my second experience. So that alone tells you what I feel about this company.

While in escrow to purchase a home, the lenders required another 5 percent down (huge) to close!!! CreditKarma gave me options to choose from. I chose UPGRADE and applied on a weekend day! I was immediately approved, with repayment schedule printed out. I did not have to supply any paperwork, only connect them to my bank. The money was deposited the 2nd work day, after the immediate approval. I was so impressed. The process was so amazingly simple. Now for the escrow to close!!!! When signing into my UPGRADE account, I was then given the option to sign up for a credit card ($1000) from UPGRADE. I applied, but was requested to submit my income paperwork. I did twice, but now they want a letter proving my income! OMGOSH!

I am a retiree and wanted to pay off credit cards to secure a lower interest rate and was given a 15 thousand dollar loan with virtually no hassle. I would recommend Upgrade to anyone. The process was easy and quick and I'm very happy with the results.

I have had a few unexpected problems and had to borrow money twice. They were quick and easy. I opened a credit card through them as well and they gave me 300 dollars as a out of nowhere gift. Recommend over all others.

From the very first contact to the unbelievably swift evaluation and then receiving the loan by direct deposit, I was very impressed with the knowledge and professionalism of everyone involved. I honestly would highly recommend Upgrade to anyone in need.

I was fine with the loan, but the force of requiring a new banking account is offputting. I have used LendingTree previously and this was not my experience with them. I went to one website to make the payments and pay off the loan. I'm hoping this experience with Upgrade is similar.

It was a very easy application form and I would recommend this service to friend and family members. The payment plan setup for me was easy to understand and use. I look forward to using Upgrade in future purchases of thing we need around our home.

The entire process was very quick and easy. Being able to complete the application and submission of required documents online was convenient. The time from submission to approval was merely a day. This is the second loan I've received from Upgrade and I wouldn't hesitate to apply for another if needed. The interest rate was better than other lenders I researched and the flexible repayment options were an added benefit.

Hi, Thank you for offering me this loan to payoff 3 of my Credit Cards that I was paying high interest Rates. You have Great Customer Service. Your Company was very helpful and Explained the Loan And understand it well. Thank you.

Far too many hoops, and NOT CLEAR COMMUNICATION, so it was not an easy transaction. Do you understand? This MUST be easy for folks. Making this a trial is NOT the way to do business for any reason. Upgrade makes it HARD to do business.

Fabulously efficient and easy. Tthey made it simple and the funds were there in 48 hrs. The process was wonderful and quite a marvel in today's complex world. I highly recommend Upgrade. Interest rate is much better than credit cards. Please give it a shot. You will be glad you did.

To whom it may be of interest. Dealing with your company was very smooth and easy and I would highly recommend your service to others for ease of use and how it was easy you handled payment to all and quick turn around time.

Everyone who called and I spoke to had excellent customer service skills and knowledge, explained the process, what was needed from my co-applicant and myself in order to complete application and so on. I would recommend to friends and family.

I found Upgrade through Credit Karma, so I knew it was safe to apply. Working with Upgrade to find a personal loan to consolidate my mountain of credit card debt was a great experience. It was easy, quick, and I am currently paying about the same amount monthly that I was for the credit cards, but with the knowledge that in a few more years, that debt will be gone! Life-changing. Thank you, Upgrade.

I am so glad that I chose Upgrade to help me with my debt consolidation. The app and review process was quick. It took about a week to receive the funds after I was verbally told my loan was approved but only a couple of days from when I received the approval email. They made payments directly to my credit cards which was very convenient. I especially like the terms of the loan and that I will be paid off in 3 yrs versus 5-7 with other lenders. I am very happy with my decision.

I appreciate the prompt and polite way in which They handle My Loan application from beginning to end of processing. I have no complaints with this Company. I have received the Loan in a matter of a few days as stated. The steps to follow to complete paperwork was easy enough with help of agent online and by phone as needed. Thank You..

My recent experience with Upgrade has been great, the application process was fast and easy and I had the funds deposited into my account within a week. I couldn't be more pleased with their service, I would definitely recommend them to anyone in need of a bill consolidation loan. - Thanks Upgrade!

Great experience so far. Applying was easy especially if you already have a loan as I do and needed to refinance some credit cards that had high interest rates. No surprise when it comes to your monthly payments. They tell you upfront.

Applied, loan was approved, and within 2 business days, the loan was being processed to meet my needs. Can't complain, for I am a returning customer. The process is quick, lets you pick payment options and if qualified amount of loan.

I felt the process was without a lot of effort. I was told I was approved rather quickly. The money was in my account one day later. I used the money to pay off my credit cards! I'll definitely be using them again!

Very fast and easy application process. Easy to reach someone in customer service. Opened a checking and high yield savings too! I recommend Upgrade to anyone that qualifies and looking to consolidate debt. I qualified for a line of credit too! Thank you so much for helping me!

Was fast and pretty easy to understand how the process works. Got back to me in a timely manner about my loan. Even got a call from a representative to help me with things I didn't understand. Talked me right through it.

I had the best experience. The process was pleasant and hassle free. I did everything online and I got my funds sooner than I expected and my loan rate is way lower than anywhere else. Definitely Recommend Upgrade to my family and friends. I couldn’t be happier with the service. Better than Lending Club and cheaper than my current credit Union rates. Thanks Upgrade. Karina **

I am so thankful for Upgrade. I was looking to consolidate my debts into one monthly payment. I applied to Upgrade and received my funds within 1-2 business days. I am now on my way to financial freedom and improving my credit.

Needed some money to hold me over and it was fast and easy to get. I did $1000 and in 1 day got the money. You have to start an account for $5 with a bank but you can easily cancel that after you pay the loan back.

I Found it easy to apply. All the steps for the Upgrade loan were quick. I received a Quick response on approval. I Found a good rate for a consolidation loan to pay off a higher rate loan. Was happy with the outcome and process.

Great experience. Easy process, no long waiting period. Fast courteous service. No long lines. Enjoyed the experience during service with Upgrade. Also opened the door for other great opportunities; credit union membership and fast auto draft payment with reminder before payment date.

The technology makes it easy to upload requested documents. The loan was processed quickly and accurately. Funds were disbursed promptly. Rate and fees were reasonable. Amortization options were appreciated. This is not my first Upgrade loan. Overall a great experience.

My experience with Upgrade was awesome no hassle, with no problem and also in short time. I was looking to pay off credit card debts..so I looked on Credit Karma and found upgrades and tried it. I will differently recommend upgrade to friends and family. Thank you upgrade.

My loan was approved so fast and the money was in my account and the credit cards were paid off. This is a dream come true. Yes, I would recommend to all my friends. Thank you so much. I am very pleased.