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Upgrade

Upgrade

    Review Multiple Loan Options

  • Choose Your Loan
  • Get Your Funds Quickly
  • Affordable monthly payments
  • No prepayment fees
  • Credit Needed : Fair to Excellent

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

    Review Multiple Loan Options

  • Choose Your Loan
  • Get Your Funds Quickly
  • Affordable monthly payments
  • No prepayment fees
  • Credit Needed : Fair to Excellent

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.

Don’t Forget About These Benefits of a Mortgage Refinance

You’re thinking about refinancing your mortgage, but are unsure if it’s the right decision at the present time.  There are a variety of well-known benefits, such as the opportunity to secure a lower rate (and a lower monthly payment). But did you know there are many other benefits you may be overlooking? Here are a few more to keep in mind: 1. Shorter Term For example, maybe you have 25 years left on your 30-year mortgage. That’s a long time, right? Through a refinance, you could secure a 15-year mortgage at a lower rate, thus allowing you to payoff your

The Benefits of Searching for a Home Equity Loan Online

In today’s day and age of advanced technology, searching for a home equity loan is easier than ever before. But that doesn’t mean that you should make a rash decision and hope for the best. You must still devote the proper amount of time to the process. There was a time when searching for a home equity loan meant calling lenders and meeting with local loan officer. While you can still do both of these things, most people agree that searching online is the way to go. Here are some of the many benefits of searching for a home equity

The Benefits of Refinancing Your Mortgage

How do you feel when you look at your mortgage statement? Do you like where things stand, or are you hoping to make some major changes in the future? It’s not the right decision for every homeowner, but there are many benefits of refinancing your mortgage. Here are five that will have you strongly considering this in the near future: 1. Lower Mortgage Rate Did you secure your mortgage when rates were high? Are you able to secure a lower rate by refinancing? If you have good or excellent credit, you’re likely to qualify for the lowest possible mortgage rate.

How to Refinance a Home Equity Line of Credit (HELOC)

There may come a point when you realize that your home equity line of credit (HELOC) no longer has a place in your budget. But that doesn’t mean you can simply forget about paying your balance. Paying off your balance and closing the line of credit is the quickest and most efficient way to remove it from your budget. It’s also one of the most costly, as you need to put out a large sum of money upfront. Fortunately, there are many ways to refinance a HELOC. Here are five options to consider: 1. Apply for a New HELOC While

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