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.
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.
Review Multiple Loan Options
- Choose Your Loan
- Get Your Funds Quickly
- Affordable monthly payments
- No prepayment fees
- Credit Needed : Fair to Excellent
*Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.46%-35.97%. All personal loans have a 1.85% to 8.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% 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 $341.48. Over the life of the loan, your payments would total $12,293.46. 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 bank partners. Information on Upgrade’s bank partners can be found at https://www.upgrade.com/bank-partners/.
The Benefits of Searching for a Home Equity Loan Online
The Benefits of Refinancing Your Mortgage
How to Refinance a Home Equity Line of Credit (HELOC)
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