Upgrade Review
Upgrade serves a wide credit range with flexible options, including secured and joint loan options for lower-credit borrowers.
APR Range
9.99% – 35.99%
Loan Amount
$1,000 – $50,000
Min. Credit
580
Funding Speed
1 – 5 business days
Upgrade Personal Loan Review
Upgrade fills an important gap in the market by serving borrowers across the credit spectrum, from fair to excellent. They offer both secured and unsecured personal loans, with the secured option (backed by your vehicle) unlocking lower rates for those who qualify. Joint applications are available, and they offer direct payment to creditors for debt consolidation. The trade-off is origination fees of 1.85–9.99%.
Best For
Fair-credit borrowers who want flexibility and joint applications
Pros
- Accepts credit scores as low as 580
- Joint loan applications available
- Secured loan option for lower rates
- Direct creditor payment for debt consolidation
- Free credit monitoring and education tools
Cons
- Origination fee of 1.85% – 9.99%
- Higher rates for lower credit scores
- Minimum income requirements
- Funding can take 3–5 business days
Loan Details
| APR Range | 9.99% – 35.99% |
| Loan Amounts | $1,000 – $50,000 |
| Repayment Terms | 24 – 84 months |
| Minimum Credit Score | 580 |
| Funding Speed | 1 – 5 business days |
| Fees | Origination fee: 1.85% – 9.99%. No prepayment penalty. |
Key Features
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Compare Other Lenders
| Lender | APR Range | Loan Amount | Min. Score | Funding | Rating | |
|---|---|---|---|---|---|---|
| SoFi Borrowers with good credit who want zero fees | 8.99% – 25.81% | $5,000 – $100,000 | 680 | Same day to a few days | Check Rate | |
| LightStream Excellent credit borrowers wanting the absolute lowest rates | 7.49% – 25.49% | $5,000 – $100,000 | 700 | Same day (with bank account verification) | Check Rate | |
| Best Egg Good-credit borrowers who need fast funding | 8.99% – 35.99% | $2,000 – $50,000 | 640 | Same day to next business day | Check Rate | |
| Avant Borrowers with average credit (580–700) who need fast funding | 9.95% – 35.99% | $2,000 – $35,000 | 580 | Next business day | Check Rate | |
| Marcus by Goldman Sachs Good-credit borrowers who want zero fees and payment flexibility | 8.99% – 25.99% | $3,500 – $40,000 | 660 | 1 – 4 business days | Check Rate |
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Upgrade at a Glance
- Rating
- APR
- 9.99% – 35.99%
- Amount
- $1,000 – $50,000
- Min. Score
- 580
- Funding
- 1 – 5 business days