Personal loans for unexpected expenses | Upgrade

Personal loans for unexpected expenses - funds as fast as 24 hours

Loan amount

Pay off Credit Cards Debt Consolidation Business Home Improvement Large Purchase Other Loan purpose

Check your rate

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

Cover an unexpected expense with a personal loan

[Pay for home repairs

Take the stress out of paying for home repairs

[Pay for car repairs

Auto repair financing to get you back on the road

[Cover funeral expenses

Get help covering funeral costs

Why get a personal loan for an unexpected expense?

Get low-interest financing so you can make things happen now, and pay for it in installments over time

Check your rate in minutes

Find out your rate and how much you qualify for in minutes with no obligation and no impact to your credit score.

Funding as fast as 24 hours

You should receive your funds within a day of clearing verifications.

Cover expenses with a low, fixed monthly payment

Low interest rates with fixed terms so you know how much to budget each month and circle the date for when you’re debt free.

Personal loans that make life happen, or cover life's surprises

Get the money and relief you need to cover your big plans responsibly

Home Repairs

Whatever the problem, a personal loan can help you get your home back up and running fast.

Car Repairs

Get the car repairs you need with fixed-rate financing.

Funeral Expenses

Pay for funeral expenses now and pay back the loan in affordable payments over time.

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:

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.

Unexpected Expense Loan FAQs

Can I get a personal loan to pay for funeral expenses, car or home repairs?

Yes! A personal loan can take the stress out of paying for unexpected expenses including:

It only takes minutes to apply and if approved, you’ll receive your funds within a day of clearing verifications.

With a personal loan through Upgrade you’ll have a low fixed rate and fixed monthly payments, so you know how much to budget each month.

What can I use an unexpected expense personal loan for?

You’ll receive your personal loan in a lump sum that you can use for any unexpected expenses that you’d like including funeral expenses, car repairs, or home repairs.

How much can I borrow for an unexpected expense?

You can borrow between $1,000 and $50,000 with a personal loan through Upgrade for any purpose.

You should receive your money in your bank account within a day of clearing necessary verifications.

Why use a personal loan to pay for unexpected expenses?

Credit cards often have high variable interest rates that can increase at any time. This can make it hard to know the true cost and predict when you’ll be able to pay it off. With a personal loan through Upgrade, we eliminate those surprises. A personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.

Read more about the pros and cons of a personal loan or credit card.

Need Help?

Email us at support@upgrade.com

Or call us at (844) 319-3909

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Saturday - Sunday, 6:00 AM - 5:00 PM PT

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See if a personal loan is right for you.

Checking your rate won’t affect your credit score.

Loan amount

Pay off Credit Cards Debt Consolidation Business Home Improvement Large Purchase Other Loan purpose

Check your rate