# Applying for Account - [Are the personal loan rates fixed or variable?](/content/help/application-process/applying-for-account/are-the-personal-loan-rates-fixed-or-variable/index.html) - [Can a personal loan or Upgrade OneCard be used for school?](/content/help/application-process/applying-for-account/can-a-personal-loan-or-upgrade-card-be-used-for-school/index.html) - [Can I apply by mail?](/content/help/application-process/applying-for-account/can-i-apply-by-mail/index.html) - [Can I apply for another personal loan through Upgrade?](/content/help/application-process/applying-for-account/can-i-apply-for-another-personal-loan-through-upgrade/index.html) - [Can I change my instructions?](/content/help/application-process/applying-for-account/can-i-change-my-instructions/index.html) - [Can I include additional income?](/content/help/application-process/applying-for-account/can-i-include-additional-income/index.html) - [Can I include household income on my application?](/content/help/application-process/applying-for-account/can-i-include-household-income-on-my-application/index.html) - [Can I increase my loan amount after I’ve already selected an offer?](/content/help/application-process/applying-for-account/can-i-increase-my-loan-amount-after-i-ve-already-selected-an-offer/index.html) - [Can I mail my documents to you instead?](/content/help/application-process/applying-for-account/can-i-mail-my-documents-to-you-instead/index.html) - [Can I use my entire loan to pay off my credit cards?](/content/help/application-process/applying-for-account/can-i-use-my-entire-loan-to-pay-off-my-credit-cards/index.html) - [Does being denied damage my credit score?](/content/help/application-process/applying-for-account/does-being-denied-damage-my-credit-score/index.html) - [Does Upgrade accept applications over the phone?](/content/help/application-process/applying-for-account/does-upgrade-accept-applications-over-the-phone/index.html) - [FAQs for Self-Employed Applicants](/content/help/application-process/applying-for-account/faqs-for-self-employed-applicants/index.html) - [How can I reduce the number of unsolicited credit and insurance offers I receive?](/content/help/application-process/applying-for-account/how-can-i-reduce-the-number-of-unsolicited-credit-and-insurance-offers-i-receive/index.html) - [How do I apply for a personal loan or an Upgrade Card?](/content/help/application-process/applying-for-account/how-do-i-apply-for-a-personal-loan-or-an-upgrade-card/index.html) - [How do I cancel my application?](/content/help/application-process/applying-for-account/how-do-i-cancel-my-application/index.html) - [How do I complete and submit my 4506-T form?](/content/help/application-process/applying-for-account/how-do-i-complete-and-submit-my-4506-t-form/index.html) - [How do I complete my To-Do List?](/content/help/application-process/applying-for-account/how-do-i-complete-my-to-do-list/index.html) - [How do I upload documents?](/content/help/application-process/applying-for-account/how-do-i-upload-documents/index.html) - [How do joint applications work?](/content/help/application-process/applying-for-account/how-do-joint-applications-work/index.html) - [How does a debt payoff loan work?](/content/help/application-process/applying-for-account/how-does-a-debt-payoff-loan-work/index.html) - [How does the Verifications department communicate with me?](/content/help/application-process/applying-for-account/how-does-the-verifications-department-communicate-with-me/index.html) - [How long does it take to receive the funds in my bank account after completing my To-Do List?](/content/help/application-process/applying-for-account/how-long-does-it-take-to-receive-the-funds-in-my-bank-account-after-completing-my-to-do-list/index.html) - [How will I receive my money with a debt payoff loan?](/content/help/application-process/applying-for-account/how-will-i-receive-my-money-with-a-debt-payoff-loan/index.html) - [If I cancel my application, can I re-apply?](/content/help/application-process/applying-for-account/if-i-cancel-my-application-can-i-re-apply/index.html) - [If I’m denied, am I able to re-apply?](/content/help/application-process/applying-for-account/if-i-m-denied-am-i-able-to-re-apply/index.html) - [Is an email address required to apply?](/content/help/application-process/applying-for-account/is-an-email-address-required-to-apply/index.html) - [Is collateral required to get a personal loan or an Upgrade Card?](/content/help/application-process/applying-for-account/is-collateral-required-to-get-a-personal-loan-or-an-upgrade-card/index.html) - [Is my credit card information secure?](/content/help/application-process/applying-for-account/is-my-credit-card-information-secure/index.html) - [No application fees or upfront fees](/content/help/application-process/applying-for-account/no-application-fees-or-upfront-fees/index.html) - [Should I put my gross or net income on the application?](/content/help/application-process/applying-for-account/should-i-put-my-gross-or-net-income-on-the-application/index.html) - [What are the minimum borrower requirements?](/content/help/application-process/applying-for-account/what-are-the-minimum-borrower-requirements/index.html) - [What are the next steps after I have submitted all of the requested documents?](/content/help/application-process/applying-for-account/what-are-the-next-steps-after-i-have-submitted-all-of-the-requested-documents/index.html) - [What card details do I need to provide?](/content/help/application-process/applying-for-account/what-card-details-do-i-need-to-provide/index.html) - [What does receiving a pre-approval letter for a personal loan mean?](/content/help/application-process/applying-for-account/what-does-receiving-a-pre-approval-letter-mean/index.html) - [What information do you need to verify my employment?](/content/help/application-process/applying-for-account/what-information-do-you-need-to-verify-my-employment/index.html) - [What is an Adverse Action Notice?](/content/help/application-process/applying-for-account/what-is-an-adverse-action-notice/index.html) - [What is the difference between Annual Percentage Rate (APR) and the Interest Rate?](/content/help/application-process/applying-for-account/what-is-the-difference-between-annual-percentage-rate-apr-and-the-interest-rate/index.html) - [What types of documents may be requested from me?](/content/help/application-process/applying-for-account/what-types-of-documents-may-be-requested-from-me/index.html) - [When will my card payments be processed?](/content/help/application-process/applying-for-account/when-will-my-card-payments-be-processed/index.html) - [Where can I check the status of my application?](/content/help/application-process/applying-for-account/where-can-i-check-the-status-of-my-application/index.html) - [Where can I find my routing and account numbers for my bank account?](/content/help/application-process/applying-for-account/where-can-i-find-my-routing-and-account-numbers-for-my-bank-account/index.html) - [Where do I locate my 15-digit pre-approval code?](/content/help/application-process/applying-for-account/where-do-i-locate-my-15-digit-pre-approval-code/index.html) - [Which cards or loans can I pay off directly with my new loan?](/content/help/application-process/applying-for-account/which-cards-or-loans-can-i-pay-off-directly-with-my-new-loan/index.html) - [Why do you need my bank account information?](/content/help/application-process/applying-for-account/why-do-you-need-my-bank-account-information/index.html) - [Why weren’t you able to retrieve my credit report?](/content/help/application-process/applying-for-account/why-weren-t-you-able-to-retrieve-my-credit-report/index.html) - [Why would you deny me if I was pre-approved?](/content/help/application-process/applying-for-account/why-would-you-deny-me-if-i-was-pre-approved/index.html) - [Will checking my rate for a personal loan impact my credit score?](/content/help/application-process/applying-for-account/will-checking-my-rate-impact-my-credit-score/index.html)