Upgrade Reviews

Everything went well until I had to log in to my account I tried to reset the password that didn’t work. With that said I haven’t been able to make or see anything in the account because the password or login in does not work.

Wonderful experience- all done on my phone! Great interest rate (lower than other offers), flexibility in payment due date and I didn’t have to send them tons of documents. Quick approval and quick funds. I feel so great about this whole transaction. Highly recommend.

While I was surprised that my tax information was required and requested from the IRS. I viewed the experience as a due diligence practice by Upgrade. The limited interaction with upgrade was very different, yet, appreciated in view of the fact the loan was approved with limited follow-up needed. In particular once I submitted all the required documentation. The $750.00 fee was a surprise, however, I recognize this type of loan processing would merit a fee. The period of no communication and the name upgrade during that period occasionally, I wondered if my personal information had falling into the wrong hands. However, I exercised patience and trust then one day the funds were in my account. So the different kind of loan processing experience was appreciated!

I had a great experience borrowing with Upgrade. The service was Fast and efficient. I will continue to bank with upgrade. My history and current employment verification was complete quickly and money was deposited soon after.

The application process was quick and the representative called me an hour after I submitted it. Very helpful and friendly service. Got my money after 4 business days, the portal/app are also great tools to help you stay on track with your payments.

It's a little slow, with paying off some acct. Still waiting.. There's no response Upgrade as far as the timeliness, so in the meantime I'm paying that bill, soon the loan.. ??? How can this be rectified. How much longer. Or do I have pay another month, plus the loan.

Fast quick service, very reasonable interest rates. Very professional service, quick question and answer response time. I would highly recommend Upgrade to some of my friends and family. Customer service is number one. I very happy I choose to do business with this company.

Overall, the experience was smooth. After a few clicks, I was approved and funds were available shortly after. I would definitely recommend to family and friends. Upgrade definitely helped me get out of bind and ease the stress of daily living.

The entire process was effortlessly easy. Any questions were expeditiously answered by an accounts specialist. Their goal was to provide clarity as they assured you comprehended their professional replies. Wait time on the phone was to a minimum and answered pleasantly. Thank You.

Upgrade made it easy to get the funds we needed to pay off our debt and have a little extra for some home improvement projects. Upgrade was fast, easy and stress free. Approval in minutes and funds by the next day. Very satisfied!

First time applying for a personal loan. Slightly big decision to make but decided on doing so. Upgrade helped out and approve my loan and which originally saw it was going to be denied but surprisingly they approved my loan thanks to Upgrade. The personal loan was to try and straighten out my credit and take care of some overly due bills that needed straightening out. The process was simple and easy not overly complicated than I originally thought. Received my approval pretty fast without any delays or complications. So again Thanks Upgrade.

It was simple and easy, took the worry out of going to a office and waiting on a appointment. Nice to find a company like Upgrade to make it easy. Now I will see the process after my payment. Nice to have upgrade in the time you need it!

Their process is very easy and actually pretty quick in their turn around. Will do business with them in future. Their rates can sometimes be higher for people with lower credit score but gives you a chance at making your score better.

Upgrade Bank was a very professional kind service. They gave me an approving my loan with the loan. They also approve me for a healthy line of credit. They're very professional, kind, courteous and their service was very fast. I highly recommend this company to anybody who has good credit that's looking for a new bank.

Everything went really smooth after I move forward to new interest-rate.. Unfortunately I was quoted a better rate originally which was frustrating and customer service seem to have no information?! I have a mid 825 credit score Low debt to income. When I finally got my exact rate it was 3% higher? Customer service was friendly however they had no information and were not able to give me answers why it was increased from previous quote!? it was lower than a few other competitors I applied with. They paid off my cars and put the remaining in my bank in like one business day which I very much appreciate it! Thank you!

This is what you call hassle free load, the process of submitting documents was easy. I received an approval notice the same day. The cash was in my account a few days later. Upgrade granted me a loan that makes sense, I choose the option of letting them and pay off one of my credit card, and more than half of the loan went to my account and I was able to pay off my smaller debt. What a relief. Now it feels like I have financial freedom I can breathe a little better. Thank you Upgrade. I highly recommend this company. Of course there is interest to be paid a bit high, but I also had interest on my other loan before upgrade paid it off.

I reviewed this loan though Credit Karma and it was the easiest loan I have ever gotten. I was able to get the best rate for what I needed! This made it easy for me to pick the loan for my needs! Thank you.

Overall I had a really good experience using Upgrade to do debt consolidation, however there's one part of the process that gave me a bit of anxiety. To complete your loan you needed to add a certain amount of debt and the UI to do that was a little confusing for credit through companies like synchrony (Amazon Card and Care Credit). Even though I had card numbers for those lines of credit things like the Amazon card don't necessarily have expiration dates. And even though those transfers went through once I got the loan it was still a bit scary to send a large amount of money into the unknown.

Upgrade has helped me resolve my debt and with a low interest rate! I feel such great weight was lifted off my shoulders. I can't thank upgrade enough for giving me my life back without the stress. It was very hard for me and I felt like I was drowning.

Fast, easy and straightforward. No frills, no guess work. Reliable service. Would recommend to anyone looking for a easy loan process. First time user and was funded in mess than 24 hours with a great rate and set the payment date that worked for me.

This is my 2nd time I have used Upgrade and it has been an easy hassle free experience. I will always recommend them to my family and friends. They are great at consolidating credit card debt and reducing your payment to one lower payment. Thank you Upgrade.

The loan process was one of the most complete and easiest process I have ever experienced. I will certainly recommend this service to others I know. The online process was simple, straight forward and self-explanatory. The options offered were very appealing, which made it easy for me to choose Upgrade as my small loan provider.

Perfect and easy in every way. I thought the entire process was quick and easy and never felt like I was giving too much information. I would never hesitate again. Upgrade made this very easy. My interest rate is so much lower than what I had.

The whole process was incredible, it was smooth, easy to navigate and fast and did not involve having to speak to anyone. I believe this is the future of lending and thus resulting in happy customers pleased after the process.

Upgrade helped me gain control of my monthly payments and lowered my interest rate. The service was simple to apply for and use. They sent the money directly to my credit card companies and combined my debt into an easy monthly payment that was less than I was paying before. I can't recommend this service enough for anyone who's concerned about paying for their credit cards for years with no end in sight.

The process was very easy, and the communication was accurate. I was very satisfied. I will inform family and friends about Upgrade. I received a text about my loan being approved and two days later the funds were in my account. Thank you. Gail **.

My application for the loan from Upgrade went smoothly fast. I needed the funds immediately to pay off some pending high interest loans and Upgrade came to my rescue in no time. I really do appreciate Upgrade for what they did for me.

I was skeptical at first, but after doing my homework searching online, I decided go with Upgrade. And I very please that I made that decision. Online process was easy, very quick process. Received funding within three days. Very recommended.

The Company is easy to work with and Prompt on responses. This type of service is appreciated. I am grateful for the speedy decision upon my application. I am certainly going to use them again if and ever I need help.

The initial credit line was quite generous and I paid on time every month as agreed. Upgrade approved a 5G loan that I needed to help pay a few nagging bills and my monthly payment to Upgrade was barely a third of what I was paying monthly on these bills separately. AND... I never had to leave the house. The process was Eazy Peezee. Money was in my bank account in less than 3 business days. Customer service is great and now I sleep like a baby. Stress-free. I highly recommend Upgrade because they have my back.

My experience was easy and supported. I’m very thankful for the funds I’ve received and am very happily sitting in my new “office space” because of it. Upgrade guided me through the process and the loan was approved in less than a week. Thank you.

The loan process was easy and quick. I will recommend Upgrade to my friends and family and will use again. The online application is easy to use and the overall process is very user friendly. I look forward to using Upgrade again if I need to.

Like doing business with Upgrade. Easy to apply for a loan and the people you work with are friendly. You will get a fast answer if you are approved. Also they are fair about the interest of the loan. You call, answer a few simple questions and things go smoothly and you will get a answer back in a short time later, maybe next day.

So far I am a happy camper. Everything has been smooth and easy...I did everything online, it was quick and very user friendly. I am looking forward to creating a savings account that will continue to build as well as build credit.

Great experience. Consolidated my auto loan and CC debt for a lower rate, process was simple and painless. Happy with the help getting my finances in order! I only wish I had done it sooner, I had 4 different credit cards and an auto loan, now I have one easy bill that I'll pay off within the next 24 months (sooner if I pay as much as I was paying in minimum payments between all the separate accounts). Just a good idea.

It was super easy, painless and it was fantastic. I feel like it was super easy to go and get it done. I really like the feeling of taking care of the money and the debt and the credit cards and it will make me happy.

Easy process, not that much paperwork and money is there once you get approved. The lady that verified me was very helpful and they take care of you. Thank you.... for helping me when I need it. I will that them again if I need another loan.

I was overly surprised to be approved in 1 day. When my credit wasn't where it used to be, I thought getting approved would be invasive and audacious. Yet it was completely opposite. Thank you Upgrade! I have less stress over my financial future.

It was a very easy process and I have paid all my credit off and now have only one payment. I would be very happy to recommend a friend to you. It was easy and there wasn’t a hassle while doing this transaction.

The whole process was super easy and I was able to get money to pay debt off and have it into one payment. The only downside is the super high interest rates but If you're paying on credit cards chances are you are already paying it.

Upgrade was great to work with. I received my loan quickly. The people are great to work with. They will help you with any questions you have. They will also try and fit the payment amount in your budget. The money was in my account within days of my loan being approved.

Saved our lives financially at this time. We have 2 loans and credit out there. Now We're given this chance to pay off a those bills and just pay one payment. This will save us at least $500 a month. This was a gift from God.

Very easy to navigate the system and get the money that you need. Everything is up front. Customer service was great. I would definitely recommend to my friends. The funds are on your hands within 24 to 48 from completion of application. I had a wonderful experience. Thank you.

Quick, easy very helpful in getting back in track with my credit. Gives me updates on credit health all online no other to mess with. Easy to sign in and see my accounts. Easy payments auto pay and can pay more whenever.

Trustworthy and very reliable. I will love to continue working with you and I will recommend this site to my close friends who are also in need of this like me… It’s a pleasure to work with this site and I will be much more of a good conduct by making payments at every due dates.

Funds arrived quickly (2 days after I submitted the application) I received very fair interest rates! I would definitely refer to a friend. Hopefully the partner credit union that invested in the loan doesn't have any hidden membership stipulations. Other than that concern. Everything is golden.

Very quick approval and extremely fast results. Highly recommended. It was a real blessing in a time of need. I was super impressed with how just simple and fast the entire process was. If you are on the fence don’t be afraid to take a chance.

I Thank Upgrade for giving me the Loan, because it can on time to help paid off ssd' some credit cards. I am very grateful. Thank you again. I hope that others will be happy with you too.. Hope to used you again in the future

Overall I’ve had a great experience with Upgrade! I have a few accounts and they literally made everything so easy for me. The whole process was very smooth. I recommend them 100% for anybody looking for financial freedom! Great customer service too

Get the good rate and fast service. I’m recommended everyone needs loans, take Upgrade. They will give you a good joint for the payment you can make, again thank for the help with the fund amount I need on time.

Upgrade was very fast and fair with their requirements and decisions regarding the application process. The steps and questions were easy to answer and any info required by the applicant was easily understood in order to submit properly. Thank you!

I was looking to consolidate some credit card debt that I had accumulated over the pandemic, and would receive offers from Upgrade in the mail from time to time. After doing about a month's worth of research on a couple of different companies, I decided to go with Upgrade due to a few different reviews on multiple sites from people who had used them, as well as their high rating on NerdWallet.

At this point in time, I am well pleased with my lending experience. Everything went very smoothly and I received my requests in a precise and timely manner. I would recommend Upgrade to my friends in the future. Will use Upgrade again if needed.

Truthfully, I was hesitant at first,, because I wasn't familiar with Upgrade. Glad that I chose to pursue The experience and process was as simple as 1. 2, 3. Very uncomplicated, streamlined, direct and to the point. Great job Upgrade!!

I have utilized the services that Upgrade offers a few times for loans. I've found the process to be very user friendly and accommodating to my needs. I would recommend them for personal loan services and I hope they serve you as well as they have me.

It was very simple and quick to get my Credit Line and loan. The few people at Upgrade I spoke to were helpful and pleasant on the phone. Upgrade is one of the few companies that send offers in the mail that actually are legit. It was also very easy to get approved. I am using some of the money to consolidate other bills and pay some off.

My experience with Upgrade has been quite refreshing. First of all communicating with staff has been easy, in as I'm not computer or cell phone savvy, they have been patient with my many questions in this area. I have also had many questions about Upgrade products and services that were thoroughly answered. The staff has patient and to sum it up most professional. My experience with Upgrade thus far has been exciting and one I've shared with friends. I look forward to becoming totally involved with all Upgrade products and programs.

I had a very easy experience. It was nice and fast. Easy to use. I am definitely happy to have had Upgrade to lean on for a loan to help pay off credit card debt. I would definitely recommend Upgrade to any friends and family.

Loan was completed, all persons I talked to were very helpful & professional. The only issue I had was the length of time it took till it was all done, the selfie (pic) portion did not work well at all. I think I took at least 10-12 selfies. Other than that I appreciate the loan.

From applying for a loan to getting a credit card customer service as well as the online process has been streamlined efficient, everyone's been friendly, helpful and quick. I like the fact that if I call someone is there on the other end and is willing to talk to me. All in all if I could give Upgrade 10 stars I would. I will definitely be referring friends to Upgrade and family. Thank you Upgrade.

I submitted my application on a Sunday afternoon and had an acknowledgment and approval by Sunday evening!! Truly amazing from my perspective. Most entities are Monday through Friday. The Upgrade Team did a great job! I would recommend this company to anyone.

The process was convenient and easy. Also, they were true to their word as my funds were available within a business day. I highly recommend Upgrade to everyone looking to consolidate debt or looking to establish a line of credit! I will forever be thankful for their help.

I was in between jobs and just needed a little help to keep my head above water before I started my new job. Since I already have an Upgrade card I decided to call and Upgrade helped in minutes! I would definitely recommend!

I was skeptical at first but Upgrade has been one of the smoothest loan experience for me so far. I applied and got an offer within minutes without any impact on my credit! Once I accepted the offer, the funds were sent to me within a day! I would definitely recommend Upgrade to anyone looking for credit.

Decided to consolidate my credit cards to one payment. Upgrade had lots of loan options, I picked the one I felt comfortable with and had cash that next Monday. I paid off my cards now paying back just one loan, also it improved my credit score. I've recommended upgrade to two different people so far.

Was a fast easy process with approval quickly. Would highly recommend. Knew what interest rate with pre-qualification. No need for hard pull on credit to decide if I wanted the loan or not. Payments are easy with auto bank draft.

I was finally able to get my credit to a place where I could consolidate my credit cards. Upgrade rewarded my hard work with not only a great rate but more opportunities to expand my credit. I'm now close to zero credit card debt and endless opportunity.

Everything went great, money was there the next day. Great place to do business with. If need to do another personal loan would consider Upgrade anytime. Would tell my friends and relatives to do business with them. Fast and easy.

This is my second loan through this company, and both times I obtained a loan were very convenient and I had my funds in no time flat!!! I would definitely recommend this company to anyone who wants a very pleasant experience.

The speed and user friendly interface made this a very streamlined process. This is my second loan with Upgrade, so I have the experience to share with anyone I would recommend! The approval process was fast and easy to understand, and the loan funding couldn't have been anymore prompt!

We applied at the end of day on a Friday and by Monday morning, our funds were available! Our credit cards were paid off within a week! Everything was so quick and easy!! Thank you so much! We will definitely be recommending to our friends and family!

It was a good one. Was very surprised it didn't take long once I requested the loan and gave them my information and bank information. Once I got that done and then I got approved. Waited the next business day and my money was deposited so I am happy.

I had a good experience with Upgrade, I needed a loan, I filled an application online and right away I got my response. The loan advisor was really nice and helpful. They always trying to help you to get what you need.

Great service, they were easy, fast to work with them, they explained me everything I needed to know about my loan. Thanks you, this loan help me a lot to get done with some of my credit cards, I do recommend them.

The experience is good. But I just have a loan not for long time yet. I will update when I have more time with this loan. The process was really easy and you get the results quick. I must say that this is the easiest loan for me to apply for.

Outstanding service and response time. Completed application on a Sunday, received approval within an hour. Funds deposited in my bank account on Monday (the very next day) and all funds Upgrade directed to pay off accounts received by creditors on Wednesday. Highly recommend.

Upgrade's application is extremely easy and also a very painless process, important information is clear and concise. Their user interface is easily accessible and usable, straightforward, and I would definitely recommend Upgrade to anyone looking for a personal loan. It is a much better website and application process that was much faster to receive a response from versus some of their competitors.

It was a Very fast and easy application. Fast approval and issue of card/funds! I Highly recommend Upgrade if you're looking for a credit card or loan. I really like that you can check if you're pre-approved with no impact on your credit score.

My experience with Upgrade has been extremely satisfying. The process was simple, fast and efficient. The interest rate was reasonable, need to wait and see how the rate stays or goes here. So far I would recommend them to other people who are interested in Consolidated their credit cards and a lower interest rate.

Thank you for making this process so easy. It has been years since anyone has allowed me to obtain a loan. My interest rates are a little high but my pigments are definitely affordable, I would definitely recommend anyone. I have been receiving correspondence for over a year and thought this was just another scam, but I tried it and was approved for 8,000 the funds was in my account in less than two days.

Had a fast easy experience and consolidated several bills. Did it on my own time and was able to navigate the requirements with no problem from my cell phone. Money was delivered to my account no hassle. Money was also sent to two of my major creditors directly.

Quick, easy process! Very happy with the results. Love getting feedback on sticking to goals and how to avoid setbacks. Having the choice of paying off loan early without any penalties was huge and was a deciding factor. I will definitely use Upgrade in the future if needed and would highly recommend it to friends.

We had a situation come up that we needed to handle quickly but did not have the funds. Using Update was quick and easy to get the money we needed and their interest rates were very reasonable. Would certainly recommend to anyone who needed to get some cash in a hurry.

The approval process was easy, we had our money within 2 days. I had been wanting to do a debt consolidation for months and always hesitated since I hate the loan approval process. This couldn’t have been easier. I should have done this a long time ago.

I am moving cross country so in addition to downsizing in physical things I wanted my finances in order as well. I have previously received unsecured loans from Prosper and my credit union. I wanted a new choice so I read a comparative review on Nerd Wallet and chose Upgrade. The process was very fast. Other than the two visual forms of identification (Gov ID and current photo) I received a phone call due to my fraud alert to protect myself. I was approved the same day. I will admit that was much different than Prosper, which took a few days due to the loan being an investment that is funded by one or multiple people. The purpose of my loan was credit card consolidation of two cards. I chose to receive direct payment to the creditors.

I most definitely would recommend to friends, family and or co-workers. After filling out your application, it takes about a day and then you will know if you qualified. Your Credit Card or Personal Loan will be in your hands in about a week or less.

The process was quick and easy. The funds were forwarded to my credit cards quickly, and the balance was deposited in my account within twenty-four hours. Extremely competitive interest rate was also offered. Follow up information was quickly provided and clearly written. Felt comfortable throughout the whole process.

I was absolutely grateful I was approved for the amount that was needed at the time. I regretted the predatory high interest rate and returned the transfer the very next day. Please make sure you read all of your documentation. I thought the amount requested would have been the amount sent. I was still responsible for paying the full amount plus interest without having possession of the cash for 24 hours. Please people don't let yourself get into a situation where you need these types of services. Be a frugal diligent steward of your resources. I regret the entire situation but am thankful for the ease of access.

Good and fast service. This helped me out at a time when I did not know what to do for extra cash. Thank you for your help and and for the good service. We need more honest and reliable companies out there to provide help.

Upgrade is the way to go. The process was simple and the payments are low. Everything was explained step-by-step and they were there if you needed help. It didn't take long to receive a reply, thanks Upgrade. You're the reason why!

I was approved extremely quickly. The communication process was A++. I did get an invite to join a credit union that has nothing to do with my loan, which doesn’t make a lot of sense. But overall great service and a great product.

Did whole process online and was simple and easy. Am able to pick what bills I need to pay down or off. I would recommend Upgrade to anyone. Interest rate charged is manageable. Normally I do not apply for this sort of loan.

I wanted to consolidate my credit cards to a personal loan at a better rate and Upgrade had a great deal for my circumstances, Better rate and payoff plan. Thanks! I got all the help I needed and like your app!

I applied for a loan. It was either accept or not accept. I knew in minutes. Loan accepted, it took 2 days to receive the funds. I'm satisfied and relieved this was easier than walking into my bank and asking for a loan. I recommend UPGRADE.

The loan application was easy. Funding was quick. Terms of the agreement were clear. My creditors were paid in a timely manner. Funds were deposited into my checking account in 48 hours. I will refer friends and family to Upgrade for easy cash.

I was in need of finances for moving costs and after researching several loan offers, Upgrade seemed to be the best option. The process was swift and painless. The website was easy to navigate as well. I would highly recommend it to others in need of a personal loan during challenging times.

Super easy experience!!! Couldn’t be happier!!!! Would recommend to anyone! So thankful!!!! This helped my family out sooo much!!!! Our credit cards were killing us with interest. The application process was super easy and super fast. I was kept in the loop through every step of the process. Could not have been any easier to obtain this loan. The people I spoke with during the process were all very nice and helpful. And regular emails kept me in the loop for each step of the process.

The team is fast and efficient. That is all I can ask for. Most companies you leave a request for, you stay waiting for days, Upgrade handled my issue fast and friendly. I know now if I have a problem, it won't take 2 weeks to get it handled. Thank you.

The loan process was quick and easy. Everything completed online with the exception of 1 phone call to verify my identity, including a third-party call to my bank to verify me and my account. I am very happy with the service I've received.

As a Senior citizen, It is hard for me to do things online. Upgrade has made it so easy! I was able to get the money I needed, the line of credit and now waiting on my debit card. Will always use them!

Wonderful experience. Upgrade gave me an approval answer the same day and they paid off my credit cards and put the balance in my bank account.. I could not ask for a better service. I am happy I discovered Upgrade.

Very easy to apply. Fast funding. Would recommend Upgrade to everyone. They have great rates and time periods to repay. Very smooth process. Great turn around time. Funds were in bank 2 days after approval. Creditors were paid in 3 days.

I have never had an easier time getting a personal loan. It was painless and only took a matter of moments. I was transferring jobs from one state to another and needed for moving expenses and to pay off bills. Actually across country. Thank you so much! This place is awesome!!!!

The application process was very easy, the funds were distributed quickly and the option to select a payment date is a definite plus. Really glad to be able to pay off my cards and get on my way to being debt free.

I had extreme doubts about qualifying for a loan however, Upgrade Came Through! My loan was approved and processed very quickly. I could not be more pleased with the experience and service from UPGRADE. Thank you very much, Dr. Dan.

It was a very convenient process and how easy the transfer of funds were!! Thank you for this opportunity to consolidate my debt to one payment. I would recommend upgrade to my family and friends. Everything was an easy process.

I'm so grateful and happy. I really didn't want yet another debt but I was able to pay off higher interest credit cards with the loan from Upgrade and I'm glad I did. The process was so easy and the loan was funded quickly. I definitely recommend Upgrade.

The loan was process was very smooth and efficient. I was updated throughout and everything was made extremely clear. The money was deposited into my account within a couple of days from the inception of the loan. I recommend using Upgrade to anyone...

Upgrade was great to work with. Unlike most other loan companies upgrade had reasonable rates. Upgrade processed the loan quickly. I would work with upgrade again. Fast service. Loan money transferred to bank account within two or three days. Unless loan approval was on a Friday...

I can honestly say it is amazing working with Upgrade. Very easy to apply and able to payoff some high interest credit cards. Being able to pay off credit cards gets me out of debt earlier and on track to retirement. I wish I would have found Upgrade sooner than I did, but at least I did find them and they gave me the opportunity to get back on track. Thank you.

This company is absolutely amazing. It may seem like it's high interest but it's not and is very affordable. I will always recommend this company to friends and family for any needs they may need met financially, customer service is great.

I thought long and hard about consolidating my credit card debt. After coming to a conclusion what option best suited my needs. Upgrade took care of it for me it very Efficiently. From approval to deposit to less than 72 hours. I WAS VERY surprised.. I will recommend Upgrade to my family as well. Thank you again.

My Upgrade loan was easy to obtain and required minimal effort. Instructions were simple and direct, support was prompt and helpful during the couple of times I had questions. Rates much lower than credit cards or payday loans. Such positive impact on my credit score is going to make my life easier in so many ways. Thanks, Upgrade!

Although I’m happy and thankful, I’m just a bit disappointed with the high rate. But I’ll get through it. Some much needed stuff that’s been put off for too long finally gets tended to. Thank you very much for the opportunity.

When you don't get a headache over a loan that was simple quick and fast and they had online help to help you process your application if you needed them. The app is so easy to understand and when you can choose the date you want to make your payment were awesome.

The Loan Process was efficient!! It feels as if the consumer did not have a choice to opt out of signing up for the Penfed Credit Union. The right of the consumer was not considered—it should have been a choice.

Applied online. Called and asked Upgrade associate to clear up a couple questions I had about the loan. She was knowledgeable and answered my questions. I completed my online application, was approved and have already received my loan. Easiest process I have ever experienced. Great job Upgrade Team!!!!

Upon submittal, I received very direct, quick response of approval, process was very smooth, competitive rates, no hidden fees or surprises, funds arrived next day- credit cards I was paying off were paid direct - would highly recommend.

Payments are not posted as quick as the bank pays out. Reps say it can take up to 1 week to 10 days for it to show on account. Payment and available credit should be updated, other cards can show next day.

The service is amazing and a simple process. I highly recommend this place if you're looking for a short term loan. Looking at all options I found this was best to my situation and if credit card debt or consolidating, Upgrade is your best bet.

This is my second loan from Upgrade, very easy, I did it from my phone, I would definitely recommend them to anyone. Cash was ready in 2 days, paid my stuff and have auto pay for loan, boosted credit score, fast and easy.

I would definitely recommend UPGRADE to anyone including my friends. The service is efficient and professional with superb rates. The customer service team is professional, friendly and knowledgeable and immediately makes sure you’re at ease while answering any questions you may have.

It was fast and easy. Communication was easy and helped keep me in the loop. The process was simple. I would highly recommend upgrade to anyone looking for a personal loan. It could not have been a more satisfying process.

From application to funding the process was quick, easy and funded within 5 days from application. The funds went directly to the accounts I was consolidating. The app has been easy to use as well. I got a great interest rate that was worth going with upgrade.

The fastest loan and EASIEST loan I have ever got. Applied one day and had money in my account by the end of the day. Would definitely go through them again and recommend to all my friends and family. A++ service.

They helped me through my worst days. When no one gave me a loan they made it possible. Respect to Upgrade and their team. The most help I have ever received from any lender. Thank you all. If you're in need this is the place to come to.

My experience with Upgrade loan company had been amazing. The loan process was easy to understand and the funds came straight to my bank account super quick. They were quick to answer any question I might have along the way.

The process was easy to understand and work through. All the instructions were easy to follow. When I did have a problem. I call and the person was very helpful and gave me instruction which allow me to complete the process.

This is my 2nd loan with Upgrade. I received an answer in less than a day and received the funds shortly after. I will definitely recommend to close friends and wouldn't hesitate to work with them again in the future.

I have gone with them for some small personal loans and love the customer service I received. I even opened a personal line of credit and didn’t take much to finish it for approval. Will continue to utilize them for the future.

I applied just to see what it would take, before I knew it, I was approved and paid off my credit cards!! Much lower APR and less monthly than what I was paying to my cards!! This allowed me to better structure my budget and will be able to pay off some of my loans faster!

Straight forward application process, no hidden costs. Fast determination of credit availability, and process of uploading supporting documents. Quick transfer of funds after approval. Good app for tracking payments and outstanding balances. Would definitely recommend a friend to apply. Excellent experience.

The loan process was very easy to complete and the approval process was quick. Our loan was processed in a few days and the funds were available with 2 days. The time spent was quite quick. I would recommend this company to anyone in need of a loan and is a low payment.

I have never had this kind of experience when getting any loan. Everything is streamlined to perfection. The process was easy, fast and the loan rate, absolutely amazing. The opportunity to join the credit union is very new to me. I am looking forward to a great relationship.

Best communications and application process for a loan I ever experienced. It was so good to be true, at first I thought it was a scam. After research I saw it was for real. The correspondence was clear, timely and helpful.

My experience with Upgrade was awesome, I was so pleased that Upgrade approved my loan, everyone was so helpful. I was able to pay off a lot of my debt consolidation bills, now I know that I can look forward to using them in the future.

While imitating my contact with Upgrade I felt that the process was very simple. I would recommend this company for anyone wanting to payoff credit cards or personal loan. Money was deposited within 24 hrs of approval. I paid all my cards off and I’m very pleased with the overall process.

I am truly impressed with the quick and efficient process of my personal loan and payment of the credit cards I submitted. It made my stressful financial situation more bearable and I can see a light at the end of the tunnel. I appreciate the excellent service.

It was so simple. Within 30 minutes everything was complete!!! I had the money within 10 hours of applying! Was skeptical at first but was very Simple, quick and hassle free!! I would recommend upgrade to anyone inquiring for a quick loan!!

I got a loan last year and with all payments on time, I just got another loan. I paid the other loan off to start this loan. It was quick and I knew within minutes if my new loan was approved! This was painless! I feel I will be a long-time customer!

All the loan officers were very helpful and went out of their way to help get the loan paperwork done. The application process was very easy and quick and once the process was all done the funds were deposited in my bank account within 24 hours. Very happy with the whole process.

The process was quick and easy. My money was distributed within 24 to 48 hours to buy account and also Buy credit card. The only thing I would probably change is if the interest could be reduced if the loan could be paid off sooner. This is my second loan and I was a little disappointed when I couldn't get an interest reduction after paying off my first loan earlier than expected. I also feel the origination fees are high.

The process for application and uploading is very easy and straightforward. Service is friendly and quick! You can get multiple services from the same place. Everything is explained in a concise and easy to understand matter. Very easy to work with. Thanks for the help!

I was looking for a loan to pay off multiple credit cards. Easily applied, and submitted my card information for payments to go directly to them. Got approval by the end of the day that I applied. The funds to my bank account were deposited 24 hours later, and the payments to my cards processed within a few days. Happy to pay down some higher interest cards and have 1 simple payment, a couple hundred less than I was making paying the cards individually.

The thing I liked most about this loan was the qualifying process. Super easy and I didn't have to talk to anyone on the phone. All online and had my money the next business day after being approved. The interest rate was a bit high but expected with non perfect credit.

I was looking for the beat rate for cc payoff and you beat it hand down. Very easy to receive loan and pay off. Thank you! Other banks wanted over 12% because was considered a personal loan. I will stay with you after this is paid off.

Very impressed, provided documentation upon request, and super fast review and approval, highly recommended. Borrowed just enough as I needed to pay off CC then used it to actually pay them off, credit jumped 100 points positive. It’s amazing and I can’t be happier.

The process was simple and easy. Approval was fast and I got access to my funds as quickly as they promised. Customer service was friendly and helpful. I am really impressed with your company and I will definitely make you my company for life. I have already to my close friends about my experience.

Application, Data Submission and Funding was a breeze. Everything was as disclosed, no hidden fees or issue. The linked account and compatible card offers make maintaining the account easy. All electronic process. The funds were disbursed to my account and creditors within 4 business days. Was a very pleasant experience and I am saving over $600 month.

I have been very happy with my Upgrade experience. I have had 2 loans with Upgrade and the experience with both was easy, hassle free and helpful. Everything was done via the internet which made things easy for me, and things went through very quickly as well. I was able to consolidate some debt and still come out with a smaller monthly payment than if I had just left things as they were. Upgrade had decent rates as well.