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Upgrade

Upgrade

Loan Amount : $1,000 - $50,000

    Review Multiple Loan Options
  • APR : 5.94%-35.97% APR
  • Loan Term : 36-60 months
  • Credit Score : Good to Excellent
  • Updated for : Wed 15 Sep 2021
Terms and conditions apply

Overview

Take a Step Towards Your Goals with a Personal Loan

Refinance Credit Cards
Eliminate high-interest credit card debt and get a clear payoff date that you can circle on your calendar.

Debt Consolidation
Streamline your credit and loan payments into a single monthly payment that’s easy to manage and pay off.

Home Improvement
Get the funds you need to remodel, repair, or build the home you want without the hassle of refinancing or taking out a home equity loan.

Major Purchase
Cover that unexpected expense or plan for your next big purchase with a fixed-rate personal loan instead of a high-interest credit card.


Key Benefits

Quick and Easy Process

Check Your Rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.

Choose Your Loan*

Review multiple loan options and decide which offer is best to help you achieve your financial goals.

Get Your Funds Quickly†

Accept an offer and we’ll send your money to your bank account within a day of clearing necessary verifications.


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Upgrade

Upgrade

Loan Amount : $1,000 - $50,000

Terms and Conditions Apply

Terms

* Personal loans made through Upgrade feature APRs of 5.94%-35.97% APR. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s lending partners. Information on Upgrade’s lending partners can be found at https://www.upgrade.com/lending-partners/.

†Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Compare These Details When Searching for a Personal Loan

Searching for a personal loan is easier said than done for a variety of reasons. In addition to your financial requirements, you must take into consideration the hundreds of lenders that are willing to do business with you. Fortunately, once you know what you’re looking for, it’s much easier to narrow your options and make a final decision. Here are five details to compare when searching for a personal loan: 1. Reputation There’s never a good time to borrow from a lender with a less than stellar reputation. Taking this risk can backfire, as you may find yourself in a

How to Pay for a Home Renovation Project

Are you interested in tackling a home renovation project, but unsure of how to fund it? Are you concerned about biting off more than you can chew in regards to your budget? As a general rule of thumb, you shouldn’t do anything until you have a clear idea of how much your project will cost. There are two ways to figure this out: If it’s a DIY project, tally up the cost of all the material needed to complete it If you’re hiring a contractor, request three to five quotes from reputable providers in your area Either way, you’ll end

3 Ways an Installment Loan Can Help Around the Holidays

The holiday season has a way of putting stress on your finances. Even if you’ve saved all year long to buy gifts and host loved ones, you never know what types of financial challenges you’ll run into during this time of the year. Fortunately, there are a variety of strategies you can use to relieve stress and better enjoy the holiday season. Here are three ways an installment loan can help around the holidays: 1. Buy What You Need You need to think long and hard before borrowing money to buy gifts and take on other holiday expenses, but this

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