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258 pages · Updated July 19, 2026
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- Personal Loans - Discover personal loans that work for you
- Press Room | Upgrade Inc. Named a 2020 "Best Place to Work in the Bay Area" | Upgrade
- Credit Health - Unlock your full credit potential
- Press Room | Upgrade Inc. Named a 2018 ‘Best Place to Work in the Bay Area’ | Upgrade
- Upgrade, Inc. Launches Upgrade Card | Press Room | Upgrade
- Upgrade Raises $165 Million Equity Investment | Upgrade
- Upgrade Raises $280 Million at $6 Billion Valuation | Upgrade
- Personal loans for vacation expenses | Upgrade
- Upgrade Launches Unique Rewards Checking Account | Upgrade
- Upgrade OneCard™ Gives Consumers a Single Card For All Their Purchases | Upgrade
- Upgrade, Inc. Named a 2019 ‘Best Place to Work in the Bay Area’ | Press Room | Upgrade
- Press Room | Upgrade, Inc. Closes $62 Million Series C Round | Upgrade
- Press Room | Upgrade Launches First Contactless and Mobile Payment Versions of Upgrade Card | Upgrade
- Credit Cards - Learn about responsible credit card use
- Upgrade Closes $40 Million Series D Round Led by Santander InnoVentures | Upgrade
- Upgrade, Inc. Announces Partnership with One Hundred Credit Unions | Upgrade
- Press Room | Upgrade and Corridor Collaborate on Big Data and Credit Analytics | Upgrade
- Upgrade Card the Fastest Growing US Credit Card | Upgrade
- Upgrade, Inc. Completes $225 Million Securitization | Upgrade
- Upgrade Acquires Uplift for $100 Million in Cash and Stock | Upgrade
- Special occasion personal loans up to $50,000 | Upgrade
- Upgrade Closes $105 Million Series E Round at $3.325 Billion Valuation | Upgrade
- Press Room | Upgrade, Inc. Introduces Personal Credit Line | Upgrade
- Press Room | Upgrade, Inc. Rated #1 Personal Loan by LendingTree | Upgrade
- Upgrade Launches Everyday Savings Account Offering 3.50% APY | Upgrade
- Upgrade, Inc. Launches Upgrade Shopping™ to Fight Inflation | Upgrade
- Upgrade Card the Fastest Growing US Credit Card According to Nilson Report | Upgrade
- Uplift Rebrands to Flex Pay, Reflecting Growth and Expanded Opportunities | Upgrade
- Press Room | Upgrade, Inc. Launches New Consumer Credit Platform | Upgrade
- Upgrade Card Launches a Cash Back Program | Upgrade
- Wedding Personal Loans up to $50,000 | Upgrade
- Press Room | Upgrade, Inc. Completes $282 Million Securitization | Upgrade
- Upgrade Card the Fastest Growing top 50 US Credit Card For Second Year According to Nilson Report | Upgrade
- Managing Debt - Kick start your journey to financial freedom
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- Upgrade Press Room | Upgrade News, Media & Company Updates | Upgrade
- Smart Money - Get tips to make saving money easier
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- Moving loans up to $50,000 - low fixed rate | Upgrade
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- Pool loans up to $50,000 - no collateral | Upgrade
- Customer Financing Tool for Residential Pool Contractors | Upgrade
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- Personal loan for car repairs | Upgrade
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- Funeral Personal Loans | Upgrade
- Personal loan for home repairs up to $50,000 | Upgrade
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- Upgrade's Credit Health and Money Insights | Upgrade
- Personal loans for major purchases up to $50,000 | Upgrade
- Rewards Checking Preferred - Switch Kit | Upgrade
- Unlimited 3% Cash Back Rewards on purchases in Gas, Groceries, Streaming, and Utilities; unlimited 1% cash back on all other purchases. | Upgrade
- Rewards Checking Preferred - Earn up to 2% cash back on everyday purchases | Upgrade
- Get Cash Fast, Build Credit, Grow Savings | Boost Money™ | Upgrade
- Financing Tool for Residential HVAC Professionals | Upgrade
- Rewards Checking Accounts | Upgrade
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- Customer Financing for Residential Contractors | Upgrade Overview | Upgrade
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- Auto Loan Refinance | Upgrade
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- Customer Financing for Residential Window and Door Installers | Upgrade
- Home Improvement Personal Loans - No Collateral | Upgrade
- Upgrade Announces Launch of Boost Money™ With Access to Cash Advance and up to 10% APY Savings Account - Our Response to the K-Shape Economy and the Affordability Crisis | Upgrade
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- Customer Financing for Residential Bathroom Remodelers | Upgrade
- credit-health
- Personal loans for unexpected expenses | Upgrade
- Financial Solutions for Residential Roofing Contractors | Upgrade
- Auto Financing | Upgrade
- Upgrade Press Room | Upgrade News, Media & Company Updates | Upgrade
- Rewards Checking Preferred - Up to 2% Cash Back | Upgrade
- WestJet Selects Flex Pay to Bring Flexible Payment Options to Travellers | Upgrade
- Credit Building Made Easy | Boost Money™ | Upgrade
- Princess Cruises Selects Flex Pay To Turn Dream Voyages Into Booked Adventures With New Payment Flexibility | Upgrade
- Upgrade Delivers $40 Billion of Credit to Over 7 Million Customers | Upgrade
- Find the Upgrade Card that's right for you | Upgrade
- Personal Loans up to $50,000 | Upgrade
- Flex Pay Terms | Upgrade
- Upgrade Auto Surpasses $1 Billion in Total Originations, Launches GAP Coverage and Vehicle Service Contracts | Upgrade
- JetBlue Vacations Partners with Flex Pay to Launch Monthly Payment Option | Upgrade
- Fly Now, Pay Later: Flair Airlines Launches Flexible Payment Options for Travellers through Flex Pay | Upgrade
- 3.05% APY High-Yield Premier Savings Account | Upgrade
- Resorts World Las Vegas to Offer Book Now, Pay Later Options through Flex Pay | Upgrade
- Get BoostCash™ Advances Up To $500 | Boost Money™ | Upgrade
- Upgrade Home Improvement Surpasses $1B in Loans Originated | Upgrade
- Upgrade Cash Rewards Card | Unlimited 1.5% cash back on all purchases | Upgrade
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- Upgrade Select Card | Get the credit you need | Upgrade
- Debt Consolidation Loans | Upgrade
- Expedia Group to Introduce Flex Pay for Cruise Bookings | Upgrade
- RIU Hotels & Resorts to Offer Book Now, Pay Later Payment Options to Guests through Flex Pay | Upgrade
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- Upgrade Auto | Auto financing through Upgrade | Upgrade
- Upgrade, Inc. Partners with Over 1,000 Dealers for Rapidly Growing Auto Financing Program | Upgrade
- Upgrade Home Improvement Surpasses $2 Billion in Loans Originated | Upgrade
- Agent Terms of Use | Flex Pay by Upgrade | Upgrade
- Customer Financing for Residential Contractors | Upgrade
- Secured OneCard Launch | Upgrade
- Upgrade Credit Health | Check and Monitor Your Credit Score For Free | Upgrade
- Premium Benefits | Boost Money™ | Upgrade
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- Belonging | Upgrade
- Refinance credit card debt with a personal loan | Upgrade
- Shop with hundreds of travel and retail partners | Upgrade
- Careers at Upgrade | Phoenix Service Center | Upgrade
- Careers at Upgrade | Benefits | Upgrade
- Become a Partner | Flex Pay by Upgrade | Upgrade
- About Flex Pay by Upgrade | Upgrade
- Upgrade Press Room | Upgrade News, Media & Company Updates | Upgrade
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- Allpoint ATM Network | Upgrade
- Upgrade Reviews | Online Personal Loans and Cards | Upgrade
- Careers at Upgrade | Upgrade
- Privacy | Upgrade
- Licenses | Flex Pay by Upgrade | Upgrade
- Buy Now, Pay Later | Flex Pay by Upgrade | Upgrade
- Frequently Asked Questions | Flex Pay by Upgrade | Upgrade
- Accessibility | Flex Pay by Upgrade | Upgrade
- Flex Pay by Upgrade Lenders | Upgrade
- What Can Personal Loans Be Used For?
- When a Personal Loan Makes Sense: The Pros and Cons
- What Happens If You Miss a Personal Loan Payment?
- Personal Loan vs. Payday Loan: What’s the Difference?
- How Do Personal Loans Work? The Mechanics Every Borrower Should Understand
- Personal Loan vs. Home Equity Loan: Which is Better for Homeowners?
- Personal Loan vs. Balance Transfer: Which Saves You More?
- Personal Loan vs. Line of Credit: Which Is Right for You?
- How Much Can You Borrow With a Personal Loan?
- How Personal Loan Interest Is Calculated
- Personal Loan Fees Explained: Understanding the Cost of Borrowing
- Why Personal Loan Applications Get Rejected (and How to Fix It)
- Personal Loan Requirements: What You Need to Qualify
- How to Use AI to Analyze Subscription Costs and Find Hidden Waste
- How to Use AI to Automate Your Savings Plan
- Using AI to Build and Maintain a Monthly Budget
- Can You Get a Personal Loan With a Cosigner?
- Co-Borrower vs. Cosigner: What's the Difference?
- 700 Credit Score: Is It Good or Bad?
- How Many Personal Loans Can You Take Out?
- Personal Loan Duration Explained: How Long Can You Get a Personal Loan For?
- Paying Off Your Personal Loan Early: What You Need to Know
- Refinance Your Auto Loan: When, Why, and How to Do It
- Comparing Auto Loan Interest Rates and Lenders: A Guide to Shopping Around
- Understanding Credit Scores & Auto Loan Rates
- Financing a Home Improvement Project During a Pandemic
- The Complete Guide to Understanding and Improving Your Credit Score
- A Fast Way to Get a Cash Advance (Hint: It’s Not a Credit Card)
- Credit Score vs. Credit Report: What's the Difference?
- Your Credit During a Pandemic or Other Uncertain Times
- Your New Year Financial Action Plan
- Does Debt Consolidation Hurt Your Credit?
- Why You Should Have a Buy Now, Pay Later Budget
- Why You Need An Emergency Fund
- Why "Buy Now, Pay Later" Can Be a Smart Strategy in Uncertain Times
- When to Refinance a Personal Loan
- What To Do if You Are Declined for Credit
- FDIC Insurance: What It Is and How It Works
- What Is APY? A Simple Guide to Annual Percentage Yield
- What is APR? A Simple Guide to Understanding Annual Percentage Rate
- What Is an Installment Loan?
- What Is a High-Yield Savings Account?
- What Is a Good Credit Score?
- What Is a Cash Advance?
- What Credit Score Is Needed for a Personal Loan?
- 7 Ways to Use Your Tax Refund Wisely
- Watch Out For These Credit Report Errors!
- Upgrade Card: Revolving or Installment Credit?
- 5 Ways to Pay for Unexpected Expenses
- 5 Ways to Pay for Unexpected Expenses
- The True Cost of Minimum Payments
- The Link Between Money & Mental Health
- The High Cost of Having Bad Credit
- How to Stay Out of Debt for Good
- How to Spring Clean Your Finances
- Secured vs. Unsecured Loans: Differences, Pros, and Cons
- How Revolving Credit and Installment Credit Impact Your Credit Score
- How to Rebuild Credit After A Few Slip-Ups
- Improve Your Credit Score Fast With a Quick Start Budget
- Personal Loan vs Credit Card: Which is Right for You?
- How to Pay Off Debt Quickly
- How to Pay Off Your Credit Cards | Upgrade
- Pay Down Debt or Save?
- Maintaining Good Credit In Times Of Inflation
- Key Elements of Financial Health
- Is Debt Consolidation a Good Idea?
- Introduction to Credit Card Rewards & Perks
- Introduction to Auto Refinancing
- How to Stay on Track with Your Debt Consolidation Loan | Upgrade
- How to Refinance a Personal Loan
- How to Protect Yourself From Identity Theft and Credit Card Fraud
- How to Prepare for a Recession | Upgrade
- How to Pay for Your Dream Vacation
- How to Get the Best Personal Loan Rate| Upgrade
- How to Get a Personal Loan: A Quick and Easy Checklist | Upgrade
- How to Get a Loan for a Home Improvement Project: A Step-by-Step Guide
- How to Evaluate a Personal Loan Offer | Upgrade
- How to Consolidate Credit Card Debt
- How to Choose A Credit Card
- How to Build Credit History (Even If You're Starting From Scratch)
- How to Build An Emergency Fund
- How to Avoid Personal Loan Scams | Upgrade
- How to Avoid Overspending on that Big Purchase or Project
- How to Avoid Budgeting Burnout | Upgrade
- How Much Can Cash Advances Cost? Fees, Interest, and Charges Explained
- How Many Credit Cards Should You Have? | Upgrade
- How Many Credit Cards Is Too Many? | Upgrade
- How Long Does Information Stay on My Credit Report?
- How Long Do Late Payments Stay on a Credit Report?
- How Late Payments Impact your Credit
- How Does Debt Consolidation Work?
- Here's What You Need to Do Your Taxes
- Soft Inquiry vs Hard Inquiry: What’s the Difference and Why It Matters
- Where Do I Get My Credit Report?
- Fixed vs. Variable Interest Rates: What’s the Difference?
- How to Fix an Error on Your Credit Report | Upgrade
- Why It’s Time to Consolidate Your Credit Card Debt
- What Is an Excellent or Perfect Credit Score?
- How Will Getting Married Affect My Credit?
- Does Closing a Credit Card Hurt Your Credit Score?
- Does Checking Your Credit Score Lower It?
- Does Applying For Credit Affect Your Credit Score?
- Debunking Debt Misconceptions: Using Credit to Gain Financial Freedom
- Debt-to-Income Ratio: What It Is, Calculating It, and How to Improve It | Upgrade
- Everything You Need to Know About Credit Utilization Ratio
- Credit Utilization: Myths and Facts
- What Credit Score is Needed to Buy a House?
- Top 5 Credit Score Myths Debunked
- 4 Common Credit Card Transactions That Impact Your Credit Score
- Credit Scores 101: How Your Credit Score is Calculated
- Why Your Credit Score Matters
- Breaking Down the Cost of Credit
- BNPL or Personal Loan: How to Choose the Right Option for You
- Beyond Your Credit Report: What Else Do Lenders Consider?
- 12 Better Money Habits to Boost Your Credit Score
- Best Ways to Build Credit History with Credit Cards or Alternative Products
- APR vs. Interest Rates: What’s the Difference?
- 5 Factors That Affect Your Credit Score
- A Financial Checklist Before Moving Out On Your Own
- A Beginner's Guide to Budgeting
- 7 Reasons to Get a Credit Card Consolidation Loan
- 6 Ways for Young Professionals to Build Credit
- 6 Habits of People with Good Credit Scores
- 6 Common Mistakes that Can Impact Your Credit Score
- 5 Tips to Manage Revolving Credit
- 5 Tips for Budget-Friendly Splurging | Upgrade
- 5 Stressful Financial Situations & How to Handle Them
- 5 Reasons to Have A Credit Card | Upgrade
- 5 Reasons to Get a Personal Loan
- 5 Quick Steps to Build an Emergency Fund
- 5 Pitfalls That Can Hurt Your Credit Score
- 4 Best Budgeting Apps of August 2024
- 3 Money Conversations to Have Before You Get Married
- 20 Hacks to Cut Back on Spending | Upgrade
- 10 Tips to Keep Negative Credit Events from Snowballing