Helping you move up
Upgrade Finance helps you make smart financial decisions to help you reach your goals. Like buying a new bike. Fixing the roof. Or finally paying off that fancy fridge. All without getting trapped by endless revolving credit card debt, or sidetracked by sneaky banking fees.
Credit should be affordable and responsible
That's why we design all our credit, mobile banking and payment products to do three things:
Give you responsible options
We design credit products that help you avoid endless revolving debt and hidden fees.
Keep you on track
Our tools and features help you stay focused on your financial goals.
Reward you along the way
Get value back through cash back rewards, competitive rates, and benefits.
The way it should be.
Our Impact
In just the last eight years, we've made over $40 billion of credit available to our customers. Millions of families across America are now using an Upgrade Card, Loan or Rewards Checking account.
That's millions of people getting more value than they would from a traditional bank. And a better experience, too.
Recognized For Our Products
Award-winning products designed with you in mind
NerdWallet
3x Winner Personal Loans
2025The Motley Fool
Best Personal Loans
2025WalletHub
Best Cash Back
2025Forbes
America's Best Startup Employers
2024Recognized For Being a Great Place to Work
We're proud to create an environment where our team can thrive
Forbes
America's Best Startup Employers
2024Built In
Best Places to Work
2025American Banker
Best Places to Work in Fintech
2022Our Offices
We're growing across North America
San Francisco
Headquarters
Phoenix
Service Center
Montreal
Engineering Center
Atlanta
Regional Office
Orange County
Regional Office