Personal loans for major purchases up to $50,000 | Upgrade

Personal loans for major purchases up to $50,000

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.

Reach your goals with a personal loan through Upgrade

Pay for wedding expenses

Cover wedding expenses with a wedding personal loan

Celebrate special occasions

Celebrate important milestones with a special occasions personal loan

Take a dream vacation

Make your dream vacation a reality with a personal loan

Why pay for a major purchase with a personal loan?

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.

Fixed rates and terms

Low interest rates with fixed terms. A major purchase loan will give you a clear payoff date that you can circle on your calendar.

Major purchase personal loans that make life happen

Get the money you need to cover your large purchase

Wedding and Special Occasions

Plan a one-of-a-kind event and enjoy memories with your loved ones.

Dream vacation

Funds to explore new destinations and expand yourself beyond everyday life.

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

Major purchase loan FAQs

Why not use a credit card for my major purchase?

Credit cards often have high variable interest rates that increase at any time. This can make it hard to know the true cost of a project and predict when you'll be able to pay it off. When a specific project cost is mixed in with other living expenses it can become even more difficult to plan. 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.

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.

What if I want to pay off my loan quicker?

You can make additional payments on your loan at any time without prepayment fees.

How much can I borrow for a major purchase?

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

Need Help?

Email us at support@upgrade.com

Or call us at (844) 319-3909

Monday - Friday, 5:00 AM - 7:00 PM PT

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.