Special occasion personal loans up to $50,000 | Upgrade

Special occasion personal loans up to $50,000

Loan amount

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

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

Pay for special occasions with a personal loan.

Throw the celebration of a lifetime with a personal loan for special occasions. Make your celebration memorable, whether it’s a birthday, graduation, holiday, anniversary or retirement party.

Reach your goals with a personal loan through Upgrade

Make a major purchase
Pay for wedding expenses
Take a dream vacation

Best Personal Loans

Best Debt Consolidation Loan

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

Personal Loan FAQs

Can I use a personal loan for graduation?

Yes, a special occasion personal loan is a great way to pay for a graduation party without using your savings or getting stuck with high credit card interest rates. Graduation is the culmination of years of hard work, so it’s a great occasion to celebrate.

A personal loan through Upgrade is unsecured, which means it isn’t backed by property or other collateral. You’ll receive your funds in a lump sum and personal loans through Upgrade have a fixed interest rate so you’ll know exactly what you’ll pay each month and when you’ll finish paying back your loan.

Can I use a personal loan for the holidays?

Yes, a special occasion personal loan is a great way to pay for the holidays without using your savings or getting stuck with high credit card interest rates. Holiday expenses can add up, from gifts to travel, it may be hard to pay for everything with the cash you have on hand.

Can I use a personal loan for new baby expenses?

Yes, a special occasion personal loan is a great way to pay for baby expenses without using your savings or getting stuck with high credit card interest rates. As your family grows so can your expenses. A personal loan can make life with a newborn a little easier whether you’re paying for an adorable nursery, diapers, a car seat, or anything else you and your newborn need.

Can I use a personal loan for a birthday, anniversary or retirement celebration?

Yes, a special occasion personal loan is a great way to pay for a party without using your savings or getting stuck with high credit card interest rates. You may have a big birthday or anniversary coming up that deserves an extra special celebration. Or you or someone in your family may be celebrating retirement with a big party.

Why use a personal loan to pay for a special occasion?

Your special occasion may cost more than you have in savings or you may want to keep your savings as an emergency fund and may want to consider other wedding financing options.

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.