Personal loans for unexpected expenses | Upgrade
Personal loans for unexpected expenses - funds as fast as 24 hours
- Get up to $50,000 with a low, fixed rate loan
- Affordable monthly payments
- No prepayment fees
- Fast funding
Cover an unexpected expense with a personal loan
Take the stress out of paying for home repairs
Auto repair financing to get you back on the road
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.
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:
- 14.32% yearly interest rate
- 5% one-time origination fee ($500)
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:
- Major car repairs
- Home repairs
- Emergency travel
- Unexpected bills
- Unexpected income gaps
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.
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.