Financial products that work for you

From personal loans to credit cards and high-yield savings accounts, Upgrade has the financial tools you need to reach your goals.

Checking your rate won't affect your credit score

7M+

Customers

$40B+

Borrowed

4.7

50K+ Reviews

Our Products

Discover financial products designed to help you achieve your goals

BORROW UP TO $50,000

Personal Loans

Get funds for debt consolidation, home improvements, or major purchases with fixed rates and flexible terms.

7.74%-35.99% APR

EARN UP TO 3% CASH BACK

Upgrade Cards

A credit card alternative with the flexibility of a credit card and the predictability of a loan.

Up to 3% cash back

PAY NOW OR PAY LATER

OneCard

Choose to pay now or pay later on every purchase. Extra spending power available.

2-3% cash back

EARN 3.42% APY

Premier Savings

High-yield savings account with competitive rates and FDIC insurance up to $250,000.

3.42% APY

UP TO 2% CASH BACK

Rewards Checking Preferred

Checking account that earns cash back on everyday purchases in select categories.

Up to 2% cash back

BUY NOW, PAY LATER

Flex Pay

Split purchases into fixed monthly payments at participating retailers and travel partners.

0%-36% APR

Everything you need, nothing you don't

Simple, straightforward features designed to make managing your finances easier

Fast Approval

Get a decision in minutes and funds as soon as the next business day

No Hidden Fees

Clear, transparent pricing with no prepayment penalties

Secure & Private

Bank-level 256-bit encryption keeps your information safe

Flexible Terms

Choose repayment terms from 24 to 84 months that fit your budget

Soft Credit Check

Check your rate without impacting your credit score

Mobile App

Manage everything on the go with our easy-to-use mobile app

Why Choose Upgrade?

We're committed to providing transparent, accessible financial products with exceptional customer service

Bank-Level Security

Your data is protected with 256-bit encryption and multi-factor authentication

Award-Winning

Recognized by Nerdwallet, The Ascent, and other leading financial publications

Credit Building

We report to all three major credit bureaus to help you build your credit

7M+ Happy Customers

Join millions who trust Upgrade for their financial needs

BBB

A+ Rating

Trustpilot

Excellent 4.7

NerdWallet

Best Of 2025

FDIC Insured

Up to $250,000

How It Works

Get started in three simple steps

Check Your Rate

Fill out a simple online form in just a few minutes. We'll show you your rate and loan options without affecting your credit score.

Choose Your Terms

Select the loan amount and repayment term that works best for your budget. Review all the details before you commit.

Get Your Funds

Once approved, you could receive your funds as soon as the next business day. Start using them right away for your needs.

Frequently Asked Questions

Got questions? We've got answers

No, checking your rate uses a soft credit inquiry which won't impact your credit score. Only when you formally apply for a loan will we perform a hard credit inquiry.

From Our Customers

4.7out of 5

Based on 50,000+ reviews on Trustpilot

The application process was incredibly smooth and I got approved within minutes. The customer service team was helpful throughout the entire process.

Sarah M.2 weeks ago

Great rates and easy to work with. I consolidated my credit card debt and now have one manageable monthly payment. Highly recommend!

Michael K.1 month ago

The Upgrade Card has been a game changer. I love the flexibility and the cash back rewards. Plus, the app makes managing everything super easy.

Jennifer L.3 weeks ago

Fast funding and transparent terms. No hidden fees. I used the personal loan for home improvements and couldn't be happier with my experience.

David R.1 month ago

See more Reviews

Ready to upgrade your finances?

Check your rate in minutes without impacting your credit score. No hidden fees, no surprises.

Checking your rate won't affect your credit score