Personal Loans

Get up to 50 000$ with a low, fixed rate loan

• Affordable monthly payments
• No prepayment fees
• Fast funding

Loan amount

Check your rate

Checking your rate is free and won’t impact your credit score.

Best Personal Loans

Personal Loans

Personal loan reviews from our customers

Excellent\ 4.7 out of 5 star rating on Trustpilot\ Based on 57,866 reviews

• 5 out of 5 star rating on Trustpilot
  • Review by Julian: Upgrade truly has my best interest at heart. My tailored offer included a built... Click to view the full review on Trustpilot
  • Review by MARY RODRIGUEZ: Amazing experience, quick and easy! Click to view the full review on Trustpilot
  • Review by Howie Weiss: Upgrade has been a FINANCIAL BLESSING making burden of DEBT a manageable option!... Click to view the full review on Trustpilot
  • Review by LOUIS DUTEL: I love Upgrade for several reasons. Easy to use, simple to understand, choices o... Click to view the full review on Trustpilot
  • Review by Jennifer Soussan: Easy and lifesaving when you need a bigger purchase and can’t afford it all at o... Click to view the full review on Trustpilot
  • Review by Jenn: Upgrade has been easy to use and details each payment on statements. I think I... Click to view the full review on Trustpilot
  • Review by Harriet Raynor: Easy to apply, manageable payment option. Click to view the full review on Trustpilot
  • Review by Michelle Jackson: Great service! Click to view the full review on Trustpilot
  • Review by Mia S: It's easy to use and make payments. It's great that I can make payments and pic... Click to view the full review on Trustpilot
  • Review by JOSEPH: Excellent customer support, fast service. Always there to help. Click to view the full review on Trustpilot
  • Review by John Clark: Process was quick and easy. Straight forward without all the many steps that man... Click to view the full review on Trustpilot
  • Review by Kenneth B: I love upgrade.com anytime I need to book a flight or a cruise and dont have the... Click to view the full review on Trustpilot
  • Review by Tiffany Chase: Very simple and quick. Will definitely be back if needing a loan again. Thank yo... Click to view the full review on Trustpilot
  • Review by Sophia Crawford-Chase: Upgrade provides a smooth and efficient experience with clear communication, fas... Click to view the full review on Trustpilot
  • Review by RICHARD NELSON: The application and pre-approval process was easy and efficient, especially as c... Click to view the full review on Trustpilot

It's quick and easy to apply for a personal loan online

Check your rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.

Choose your personal loan

Review multiple loan options and decide which offer is best.

Fast funding

Accept your loan offer and you should get your money within a day of clearing necessary verifications.

Personal loans through Upgrade are flexible & customizable

Select an offer

Choose your monthly payment that won't ever change and fits your budget.

Fixed rate & term

Pick terms that fit your timeline.

A simple breakdown of a personal loan

Get to know the rates, fees, and your payback plan

If you're approved for a $10,000 loan with a 17.98% APR and 36-month term...

Your APR

The 17.98% APR includes:

• 14.32% yearly interest rate
• 5% one-time origination fee ($500)

Your money

You would get $9,500 deposited directly in your account

$10,000 - $500 = $9,500
Loan amount - Origination fee

Your payments

And, each month you would pay back $343.33 over 36 months

Personal loan FAQs

What is a personal loan?

Personal loans are a form of debt where you borrow money in one lump sum. Loans differ from credit cards, in that credit cards allow you to borrow and reborrow money in increments up to a specific credit limit.

How can I use a personal loan?

You can use a personal loan to achieve a lot of different financial goals!

Here are just some of the ways people use personal loans:

• Debt consolidation
• Paying off high-interest debt
• Home improvement expenses
• Important purchases
• Unforeseen necessary expenses

Why choose a personal loan through Upgrade over other options like a credit card?

A personal loan through Upgrade gives you a fixed interest rate that never changes, unlike variable interest rates that change with market conditions. The fixed interest rate eliminates the risk of surprise interest hikes and the set payoff date gives you a clear date that you’ll be out of debt.

Will checking my rate affect my credit score?

No, checking your rate won’t affect your credit score because we only perform a soft inquiry. Only you are able to see soft inquiries on your credit report.

How long does it take to apply for a personal loan through Upgrade?

You can check your rate in minutes with no impact to your credit score. Upgrade is proud to offer an easy application with fast decisioning.

What’s the maximum amount I can borrow through Upgrade?

Qualified applicants can borrow $1,000 to $50,000 with a personal loan through Upgrade. If you’re approved for a loan, you should receive your funds within a day of clearing necessary verifications.

What loan terms does Upgrade offer?

Loans terms offered through Upgrade vary from 24 to 84 months with Annual Percentage Rates (APRs) of 7.74%-35.99%. *

Once you apply and get approved for an offer, you can decide what loan term works best for you. And remember, you can always pay your loan off early with no hassle or early payoff fees!

Can I apply with another person?

Yes! Upgrade accepts joint applications. Applying with another person may help you qualify for a bigger loan and/or a better rate.

What documents do I need to apply for a personal loan through Upgrade?

To check your rate, you only need some essential information like your name and address. As we review your application, we may request documents from you in order to verify information such as your income and identity. These may include:

Identity Verification:

• Government-issued ID (e.g., driver’s license or passport)

Income Verification:

• Pay stub
• W-2 form
• Tax return

Employer name and contact details

Bank account information for direct deposit

We’ll notify you through your Upgrade dashboard if any documents are needed. To avoid delays, we recommend checking your dashboard regularly.

Can I change my monthly payment date?

Yes! You can adjust your payment date to the day of the month that’s best for you up to 15 days before or after your assigned payment date. Your account must be in good standing.

When will I receive my money if I qualify for a personal loan?

After you accept your loan offer, you can expect to get your money within 1 business day of clearing verifications. Be sure to check your email or Upgrade dashboard for any document requests, since we may ask for certain documents to verify your identity before finalizing the loan.