What products are available through Upgrade?

Upgrade offers access to Personal Loans and Auto Refinance Loans, Upgrade Cards, Checking and Savings accounts as well as credit monitoring and educational tools. We partner with banks and other financial institutions who originate loans, provide deposit accounts, and other services obtained through Upgrade.

Personal loans offered through Upgrade are installment loans that range from $1,000 to $50,000. Actual rate depends on factors in your individual credit profile. Most personal loans are unsecured. In some cases, we may offer you the option of a secured personal loan to help you qualify for a loan, or to provide you a lower rate. Check your rate now to see what personal loan options may be available to you.

Auto Refinance loans can be applied for online by providing some basic car information, such as the year, make, model, and mileage. Using that information, we'll show you loan offers that you qualify for through Upgrade.

Upgrade Card combines the flexibility of a credit card with the predictability of a personal loan. You can use your Upgrade Card to pay online and at retail locations. With most Upgrade Cards, you earn cash back rewards on purchases when you pay them back. Use your account for balance transfers and foreign transactions, subject to applicable fees. Transactions made in each statement period will be combined into one payback term, rate, and monthly payment. Minimum line amounts may vary, depending on your state of residency and your individual credit profile. Check out all of our Upgrade Cards today.

Upgrade OneCard gives you one card for everything. There is no annual fee, an easy application process, and you can use it anywhere Visa is accepted. You can also use your card at ATMs and for balance transfers, ACH withdrawals and foreign transactions, subject to applicable fees. When you make purchases, you decide which ones you want to Pay Now with no interest, and which to Pay Later over time at a fixed rate. And you get great cash back rewards on purchases when you pay them back. Transactions made in each statement period will be combined into one payback term, rate, and monthly payment. Minimum line amounts may vary, depending on your state of residency and your individual credit profile. Get started with Upgrade OneCard today.

Rewards Checking Preferred accounts are an easy way to upgrade your checking account experience. You’ll get an online checking account with no monthly maintenance fees and can earn cashback rewards on eligible debit card purchases. Open an account today.

Premier Savings accounts offer a number of top tier benefits, including 3.05% APY on balances of $1,000 or more, no monthly or annual account fees, secure, 24/7 access to your money, and real-time alerts and account management via our mobile app. Start saving now.

Important Information About Procedures for Opening a New Account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.