# upgrade.com > AI-optimized mirror of upgrade.com containing 1117 pages totalling 518,560 words of clean markdown content, structured data, and semantic HTML. Original source: https://upgrade.com. Last updated: 2026-07-19T09:38:44.435Z. Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG). ## Homepage - [Upgrade - Personal Loans, Cards and Rewards Checking | Upgrade](/content/site-root.html): Check your rate for a personal loan up to $50,000 with low, fixed rates. Or get started with Upgrade Cards, Rewards Checking, and Premier Savings. Start in minutes. (652 words) ## Articles & Blog Posts - [Personal Loans - Discover personal loans that work for you](/content/en-ca/credit-health/insights/personal-loans/index.html): Explore how personal loans can help you refinance credit cards, consolidate debt, and finance big purchases (587 words) - [Press Room | Upgrade Inc. Named a 2020 "Best Place to Work in the Bay Area" | Upgrade](/content/en-ca/press/releases/upgrade-inc-named-a-2020-best-place-to-work-in-the-bay-area.html): Neobank Recognized for Outstanding Employee Satisfaction (532 words) - [Credit Health - Unlock your full credit potential](/content/en-ca/credit-health/insights/credit-health/index.html): Tips and tools to help you nurture your credit score and keep your credit health on track (480 words) - [Press Room | Upgrade Inc. Named a 2018 ‘Best Place to Work in the Bay Area’ | Upgrade](/content/en-ca/press/releases/upgrade-named-2018-best-place-to-work-in-bay-area/index.html): Fintech Company Recognized for Dedication to Employee Success and Satisfaction (362 words) - [Upgrade, Inc. Launches Upgrade Card | Press Room | Upgrade](/content/en-ca/press/releases/upgrade-inc-launches-upgrade-card/index.html): Upgrade announced the launch of Upgrade Card. The new card offers the flexibility and convenience of a credit card accepted by millions of merchants, coupled with the lower cost and responsible use of credit of installment loans. (688 words) - [Upgrade Raises $165 Million Equity Investment | Upgrade](/content/en-ca/press/releases/upgrade-raises-165-million-equity-investment/index.html): Series G round led by Neuberger Berman Funds (525 words) - [Upgrade Raises $280 Million at $6 Billion Valuation | Upgrade](/content/en-ca/press/releases/upgrade-raises-280-million-at-6-billion-valuation/index.html): New investments will help consolidate Upgrade Card as fastest growing credit card in America (563 words) - [Personal loans for vacation expenses | Upgrade](/content/en-ca/personal-loans/major-purchase/vacation/index.html): Get a personal loan for vacation expenses up to $50,000 through Upgrade. Low fixed rate, flexible terms, fast funding. Check your rate in minutes with no credit score impact. (737 words) - [Upgrade Launches Unique Rewards Checking Account | Upgrade](/content/en-ca/press/releases/upgrade-launches-unique-rewards-checking-account/index.html): Upgrade customers pay no fees, earn 2% cash back on common everyday expenses and qualify for better lending rates (627 words) - [Upgrade OneCard™ Gives Consumers a Single Card For All Their Purchases | Upgrade](/content/en-ca/press/releases/upgrade-onecard-gives-consumers-a-single-card-for-all-their-purchases.html): New card innovation offers the rewards of a credit card and helps consumers stay within budget like a debit card (816 words) - [Upgrade, Inc. Named a 2019 ‘Best Place to Work in the Bay Area’ | Press Room | Upgrade](/content/en-ca/press/releases/upgrade-inc-named-a-2019-best-place-to-work-in-the-bay-area.html): Fintech Company Recognized for Outstanding Employee Satisfaction (486 words) - [Press Room | Upgrade, Inc. Closes $62 Million Series C Round | Upgrade](/content/en-ca/press/releases/upgrade-closes-62-millions-series-c-round/index.html): Upgrade, Inc. announced today that it closed its Series C round of financing led by CreditEase Fintech Investment Fund. (499 words) - [Press Room | Upgrade Launches First Contactless and Mobile Payment Versions of Upgrade Card | Upgrade](/content/en-ca/press/releases/upgrade-launches-first-contactless-and-mobile-payment-versions-of-upgrade-card.html): Upgrade Inc. announced today that new Upgrade Card versions designed to help protect consumers against coronavirus transmission are available. (411 words) - [Credit Cards - Learn about responsible credit card use](/content/en-ca/credit-health/insights/credit-cards/index.html): Tips and frameworks to help you use credit and cash back cards responsibly (248 words) - [Upgrade Closes $40 Million Series D Round Led by Santander InnoVentures | Upgrade](/content/en-ca/press/releases/upgrade-closes-40-million-series-d-round-led-by-santander-innoventures.html): Global Bank Joins Leading Fintech Investors Backing Credit-led Neobank Model (593 words) - [Upgrade, Inc. Announces Partnership with One Hundred Credit Unions | Upgrade](/content/en-ca/press/releases/upgrade-inc-announces-partnership-with-one-hundred-credit-unions.html): Credit Unions of all sizes partner with Upgrade to acquire assets and new members (561 words) - [Press Room | Upgrade and Corridor Collaborate on Big Data and Credit Analytics | Upgrade](/content/en-ca/press/releases/upgrade-and-corridor-collaborate-on-big-data-and-credit-analytics.html): Consumer credit platform Upgrade, Inc. partners with new analytics platform founded by American Express executives (579 words) - [Upgrade Card the Fastest Growing US Credit Card | Upgrade](/content/en-ca/press/releases/upgrade-card-the-fastest-growing-us-credit-card-according-to-nilson-report-1.html): Upgrade is the only Fintech in the top 50 U.S. Credit Card Issuers (462 words) - [Upgrade, Inc. Completes $225 Million Securitization | Upgrade](/content/en-ca/press/releases/upgrade-inc-completes-225-million-securitization/index.html): Upgrade announced today it closed its second securitization of personal loans. (481 words) - [Upgrade Acquires Uplift for $100 Million in Cash and Stock | Upgrade](/content/en-ca/press/releases/upgrade-acquires-uplift-for-100-million-in-cash-and-stock.html): Acquisition Will Make Travel More Accessible and Affordable for Millions of Consumers (559 words) - [Special occasion personal loans up to $50,000 | Upgrade](/content/en-ca/personal-loans/major-purchase/special-occasions/index.html): Finance special occasions with a personal loan up to $50,000. Low fixed rate, fast funding through Upgrade. Check your rate in minutes with no credit score impact. (902 words) - [Upgrade Closes $105 Million Series E Round at $3.325 Billion Valuation | Upgrade](/content/en-ca/press/releases/upgrade-closes-105-million-series-e-round-at-3-325-billion-valuation.html): Company will use proceeds to fuel next phase of financial innovation that benefits consumers (506 words) - [Press Room | Upgrade, Inc. Introduces Personal Credit Line | Upgrade](/content/en-ca/press/releases/upgrade-introduces-personal-credit-line/index.html): New product to combine the low cost, fixed rate and responsible credit of a personal loan with the flexibility and convenience of a credit card (444 words) - [Press Room | Upgrade, Inc. Rated #1 Personal Loan by LendingTree | Upgrade](/content/en-ca/press/releases/upgrade-inc-rated-number-one-personal-loan-by-lending-tree.html): Upgrade awarded top ranking based on LendingTree Customer Reviews in Q4 2017 (366 words) - [Upgrade Launches Everyday Savings Account Offering 3.50% APY | Upgrade](/content/en-ca/press/releases/upgrade-launches-high-yield-savings-account-offering-3-50-apy.html): Upgrade utilizes new process and technology to deliver higher yields to consumers (383 words) - [Upgrade, Inc. Launches Upgrade Shopping™ to Fight Inflation | Upgrade](/content/en-ca/press/releases/upgrade-inc-launches-upgrade-shopping-to-fight-inflation.html): Upgrade Shopping™ Offers up to 10% Cashback Rewards at Over 20,000 Retailers (467 words) - [Upgrade Card the Fastest Growing US Credit Card According to Nilson Report | Upgrade](/content/en-ca/press/releases/upgrade-card-the-fastest-growing-us-credit-card-according-to-nilson-report.html): Upgrade becomes the first Fintech company to enter the top 50 of Nilson Report’s U.S. Visa/Mastercard Credit Card Issuers (468 words) - [Uplift Rebrands to Flex Pay, Reflecting Growth and Expanded Opportunities | Upgrade](/content/en-ca/press/releases/uplift-rebrands-to-flex-pay-reflecting-growth-and-expanded-opportunities.html): Over 750 travel and retail brands use the Buy Now, Pay Later solution to enhance customer engagement and loyalty. (394 words) - [Press Room | Upgrade, Inc. Launches New Consumer Credit Platform | Upgrade](/content/en-ca/press/releases/upgrade-inc-launches-new-consumer-credit-platform/index.html): New platform to combine consumer loans with credit monitoring and credit education features (418 words) - [Upgrade Card Launches a Cash Back Program | Upgrade](/content/en-ca/press/releases/upgrade-card-launches-a-cash-back-program-that-rewards-consumers-for-doing-whats-good-for-them.html): Upgrade Card Launches a cash back program that rewards consumers for doing what's good for them. (393 words) - [Wedding Personal Loans up to $50,000 | Upgrade](/content/en-ca/personal-loans/major-purchase/wedding/index.html): Cover wedding expenses with a wedding personal loan up to $50,000 through Upgrade. Low fixed rate, fast funding, no collateral required. Check your rate in minutes. (944 words) - [Press Room | Upgrade, Inc. Completes $282 Million Securitization | Upgrade](/content/en-ca/press/releases/upgrade-inc-completes-282-million-securitization/index.html): Credit Suisse and Jefferies Serve as Lead Underwriters (372 words) - [Upgrade Card the Fastest Growing top 50 US Credit Card For Second Year According to Nilson Report | Upgrade](/content/en-ca/press/releases/upgrade-card-the-fastest-growing-us-credit-card-for-second-consecutive-year-according-to-nilson-report.html): Upgrade is the only Fintech listed in the Top 25 U.S. Credit Card Issuers (435 words) - [Managing Debt - Kick start your journey to financial freedom](/content/en-ca/credit-health/insights/debt-management/index.html): Tools to help you manage your money and stay out of debt for good (237 words) - [en-ca/credit-health/insights/calculate-credit-card-utilization-ratio/index.html](/content/en-ca/credit-health/insights/calculate-credit-card-utilization-ratio/index.html) (9 words) - [Upgrade Press Room | Upgrade News, Media & Company Updates | Upgrade](/content/en-ca/press/releases/index.html): Explore Upgrade press releases, news coverage, and media resources in our official press room. (1,824 words) - [Smart Money - Get tips to make saving money easier](/content/en-ca/credit-health/insights/smart-money/index.html): Explore smart ways to save money and take control of your financial future (603 words) - [en-ca/deposit/apply/index.html](/content/en-ca/deposit/apply/index.html) (9 words) - [Moving loans up to $50,000 - low fixed rate | Upgrade](/content/en-ca/personal-loans/home-improvement/moving/index.html): Cover moving expenses with a moving loan up to $50,000 through Upgrade. Low fixed rate, fast funding, no collateral required. Check your rate in minutes. (539 words) - [en-ca/help/about-upgrade/overview/is-upgrade-a-bank/index.html](/content/en-ca/help/about-upgrade/overview/is-upgrade-a-bank/index.html) (9 words) - [en-ca/portal/login-deposit-user/index.html](/content/en-ca/portal/login-deposit-user/index.html) (9 words) - [Pool loans up to $50,000 - no collateral | Upgrade](/content/en-ca/personal-loans/home-improvement/pool/index.html): Finance your pool with a pool loan up to $50,000 through Upgrade. No collateral or appraisal required. Low fixed rate. Check your rate in minutes with no credit score impact. (508 words) - [Customer Financing Tool for Residential Pool Contractors | Upgrade](/content/en-ca/home-improvement/pool-contractor/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (170 words) - [en-ca/upgrade-com/boost-money/eligibility/index.html](/content/en-ca/upgrade-com/boost-money/eligibility/index.html) (9 words) - [Personal loan for car repairs | Upgrade](/content/en-ca/personal-loans/unexpected-expense/car-repairs/index.html): Pay for car repairs with a personal loan up to $50,000 through Upgrade. Get funds fast with no collateral required. Check your rate in minutes with no credit score impact. (626 words) - [en-ca/20https/www-upgrade-com/credit-health/insights/how-to-refinance-a-personal-loan/index.html](/content/en-ca/20https/www-upgrade-com/credit-health/insights/how-to-refinance-a-personal-loan/index.html) (9 words) - [Funeral Personal Loans | Upgrade](/content/en-ca/personal-loans/unexpected-expense/funeral-expenses/index.html): Pay for funeral expenses with a personal loan. Get a low, fixed rate funeral personal loan up to $50,000 through Upgrade. Lock in a low fixed rate and affordable monthly payments. Check your rate in minutes with no credit score impact. (464 words) - [Personal loan for home repairs up to $50,000 | Upgrade](/content/en-ca/personal-loans/unexpected-expense/home-repairs/index.html): Cover home repair costs with a personal loan up to $50,000. No collateral required, low fixed rate, fast funding through Upgrade. Check your rate in minutes. (500 words) - [en-ca/funnel/personal-information-1/index.html](/content/en-ca/funnel/personal-information-1/index.html) (9 words) - [Upgrade's Credit Health and Money Insights | Upgrade](/content/en-ca/credit-health/insights/index.html): Understand your credit and money health with resources that can help you unlock your full credit potential and make the most of your credit. (269 words) - [Personal loans for major purchases up to $50,000 | Upgrade](/content/en-ca/personal-loans/major-purchase/index.html): Get a personal loan up to $50,000 for any major purchase. Low fixed rate, fast funding, no collateral required. Check your rate in minutes with no credit score impact. (806 words) - [Rewards Checking Preferred - Switch Kit | Upgrade](/content/en-ca/rewards-checking-preferred/switch/index.html): Rewards Checking Preferred earns you up to 2% cash back on purchases. No monthly maintenance fees, FDIC-insured, get paid up to 2 days early with direct deposit. Open an account today! (421 words) - [Unlimited 3% Cash Back Rewards on purchases in Gas, Groceries, Streaming, and Utilities; unlimited 1% cash back on all other purchases. | Upgrade](/content/en-ca/upgrade-card/life-rewards/index.html): Earn unlimited 3% cash back on gas, groceries, streaming and utilities. (864 words) - [Rewards Checking Preferred - Earn up to 2% cash back on everyday purchases | Upgrade](/content/en-ca/rewards-checking-preferred/cash-back-categories/index.html): Open a Rewards Checking Preferred account and earn up to 2% cash back on everyday expenses such as gas, groceries, and dining. (218 words) - [Get Cash Fast, Build Credit, Grow Savings | Boost Money™ | Upgrade](/content/en-ca/boost-money/index.html): Sign up for Boost Money™ and get cash advances up to $500. Grow savings, build credit, monitor your score. (1,516 words) - [Financing Tool for Residential HVAC Professionals | Upgrade](/content/en-ca/home-improvement/hvac-contractor/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (177 words) - [Personal Loans - Discover personal loans that work for you](/content/credit-health/insights/personal-loans/index.html): Explore how personal loans can help you refinance credit cards, consolidate debt, and finance big purchases (587 words) - [Smart Money - Get tips to make saving money easier](/content/credit-health/insights/smart-money/index.html): Explore smart ways to save money and take control of your financial future (592 words) - [Rewards Checking Accounts | Upgrade](/content/en-ca/deposits/active-account/index.html): Learn how to qualify for a variety of benefits for your Rewards Checking Plus or Performance Savings account by meeting the Active Account eligibility requirements. (248 words) - [en-ca/funnel/pcl/pi1/index.html](/content/en-ca/funnel/pcl/pi1/index.html) (9 words) - [Customer Financing for Residential Contractors | Upgrade Overview | Upgrade](/content/en-ca/home-improvement/upgrade-overview/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. Download Upgrade's Home Improvement Overview. (41 words) - [en-ca/help/personal-loan/auto-finance/index.html](/content/en-ca/help/personal-loan/auto-finance/index.html) (9 words) - [en-ca/help/account-management-payments/payments-billing/can-i-pay-off-my-loan-early/index.html](/content/en-ca/help/account-management-payments/payments-billing/can-i-pay-off-my-loan-early/index.html) (9 words) - [en-ca/portal/manage-payments/index.html](/content/en-ca/portal/manage-payments/index.html) (9 words) - [Auto Loan Refinance | Upgrade](/content/en-ca/auto-refi/index.html): Looking for a lower car payment? When you refinance through Upgrade you may be able to lower your monthly payment, get a lower rate, or both. (1,172 words) - [en-ca/help/account-management-payments/payments-billing/what-is-autopay/index.html](/content/en-ca/help/account-management-payments/payments-billing/what-is-autopay/index.html) (9 words) - [Customer Financing for Residential Window and Door Installers | Upgrade](/content/en-ca/home-improvement/window-door-installer/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (201 words) - [Home Improvement Personal Loans - No Collateral | Upgrade](/content/en-ca/personal-loans/home-improvement/index.html): Finance your home renovation with a home improvement personal loan up to $50,000. No collateral or appraisal required. Low fixed rate. Check your rate in minutes. (1,142 words) - [Upgrade Announces Launch of Boost Money™ With Access to Cash Advance and up to 10% APY Savings Account - Our Response to the K-Shape Economy and the Affordability Crisis | Upgrade](/content/en-ca/press/memos/upgrade-announces-launch-of-boost-money/index.html): We’re proud to announce the launch of Boost Money™, a mobile banking product designed to help consumers get access to cash when they need it most, build credit, and grow their savings.  (1,380 words) - [en-ca/credit-health/create-user/index.html](/content/en-ca/credit-health/create-user/index.html) (9 words) - [Credit Health - Unlock your full credit potential](/content/credit-health/insights/credit-health/index.html): Tips and tools to help you nurture your credit score and keep your credit health on track (480 words) - [Customer Financing for Residential Bathroom Remodelers | Upgrade](/content/en-ca/home-improvement/bathroom-contractor/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (157 words) - [en-ca/portal/credit-health/index.html](/content/en-ca/portal/credit-health/index.html) (9 words) - [Personal loans for unexpected expenses | Upgrade](/content/en-ca/personal-loans/unexpected-expense/index.html): Cover unexpected expenses with a personal loan up to $50,000. Funds in as fast as 24 hours. Low fixed rate, no collateral required. Check your rate with no credit score impact. (806 words) - [Financial Solutions for Residential Roofing Contractors | Upgrade](/content/en-ca/home-improvement/roofing-contractor/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (164 words) - [Auto Financing | Upgrade](/content/en-ca/auto-finance-dealer/index.html): Join our dealer network. Upgrade combines fast, automated decisions with flexibility to finance complex deals. Connect with sales to start offering Auto Financing through Upgrade at your dealership. (714 words) - [Upgrade Press Room | Upgrade News, Media & Company Updates | Upgrade](/content/en-ca/press/media-assets/index.html): Upgrade media assets, including logos, images, and brand resources for press and partners. (34 words) - [Rewards Checking Preferred - Up to 2% Cash Back | Upgrade](/content/en-ca/rewards-checking-preferred/index.html): Rewards Checking Preferred earns you up to 2% cash back on purchases. No monthly fees, FDIC-insured, get paid up to 2 days early with direct deposit. Open an account today! (1,033 words) - [WestJet Selects Flex Pay to Bring Flexible Payment Options to Travellers | Upgrade](/content/en-ca/press/memos/westjet-selects-flex-pay-to-bring-flexible-payment-options-to-travellers.html) (485 words) - [Credit Building Made Easy | Boost Money™ | Upgrade](/content/en-ca/boost-money/credit-builder/index.html): Build credit interest-free with the secured Boost Money™ Card. No annual fee or minimum deposit. Credit score monitoring, tools, alerts. (851 words) - [Princess Cruises Selects Flex Pay To Turn Dream Voyages Into Booked Adventures With New Payment Flexibility | Upgrade](/content/en-ca/press/memos/princess-cruises-selects-flex-pay/index.html): Flex Pay, Upgrade’s Buy Now, Pay Later solution, empowers Princess guests to book now with the flexibility to pay over time - unlocking World Cruises, premium staterooms, and bucket-list voyages for every traveler (882 words) - [Upgrade Delivers $40 Billion of Credit to Over 7 Million Customers | Upgrade](/content/en-ca/press/memos/upgrade-delivers-40-billion-of-credit-to-over-7-million-customers.html): Comprehensive suite of products and diverse distribution channels fuel consistent growth (463 words) - [Find the Upgrade Card that's right for you | Upgrade](/content/en-ca/upgrade-card/index.html): Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan. Learn more about the Upgrade Card today! (521 words) - [Personal Loans up to $50,000 | Upgrade](/content/en-ca/personal-loans/index.html): Get a personal loan up to $50,000 with low, fixed rates through Upgrade. Check your rate in minutes with no credit score impact. Fast funding, no collateral required. (1,165 words) - [Flex Pay Terms | Upgrade](/content/en-ca/flex-pay/terms/index.html): Flex Pay Terms & Conditions | Upgrade (6,135 words) - [Upgrade Auto Surpasses $1 Billion in Total Originations, Launches GAP Coverage and Vehicle Service Contracts | Upgrade](/content/en-ca/press/memos/upgrade-auto-1b-originations-gap-vsc/index.html): Upgrade Auto hits $1B in loan originations, driving growth with affordable and flexible auto finance. (514 words) - [JetBlue Vacations Partners with Flex Pay to Launch Monthly Payment Option | Upgrade](/content/en-ca/press/memos/jetblue-vacations-partners-with-flex-pay/index.html) (520 words) - [Fly Now, Pay Later: Flair Airlines Launches Flexible Payment Options for Travellers through Flex Pay | Upgrade](/content/en-ca/press/memos/fly-now-pay-later-flair-airlines-launches-flexible-payment-options-for-travellers-through-flex-pay.html): Our partnership with Flair Airlines, Canada’s leading low-fare, green airline brings Flex Pay, Upgrade’s Buy Now, Pay Later (BNPL) solution, to Flair’s customers. (527 words) - [3.05% APY High-Yield Premier Savings Account | Upgrade](/content/en-ca/premier-savings/index.html): Apply now for a 3.05% APY high-yield Premier Savings account through Upgrade. No monthly fees, secure 24/7 mobile access to your account. (798 words) - [Resorts World Las Vegas to Offer Book Now, Pay Later Options through Flex Pay | Upgrade](/content/en-ca/press/memos/flex-pay-partners-with-resorts-world-las-vegas-to-offer-book-now-pay-later-options.html): Resorts World Las Vegas becomes among the first properties on the Las Vegas Strip to offer Flex Pay. (601 words) - [Get BoostCash™ Advances Up To $500 | Boost Money™ | Upgrade](/content/en-ca/boost-money/boostcash/index.html): Unlock BoostCash™ advances up to $500. No interest or late fees. Whether you need money for gas, groceries, emergencies, or bills - we've got you covered. (514 words) - [Upgrade Home Improvement Surpasses $1B in Loans Originated | Upgrade](/content/en-ca/press/memos/upgrade-home-improvement-surpasses-1-billion-in-loans-originated.html): December 10, 2024—Upgrade has surpassed $1 billion in home improvement loan originations. Over 65,000 loans that have empowered homeowners to enhance their living spaces, improve energy efficiency, and increase property value through essential upgrades. (460 words) - [state-licenses/index.html](/content/state-licenses/index.html) (2,151 words) - [Upgrade Cash Rewards Card | Unlimited 1.5% cash back on all purchases | Upgrade](/content/en-ca/upgrade-card/cash-rewards/index.html): Earn unlimited 1.5% cash back rewards on every purchase, every day. (552 words) - [en-ca/portal/index.html](/content/en-ca/portal/index.html) (9 words) - [Upgrade Select Card | Get the credit you need | Upgrade](/content/en-ca/upgrade-card/select-card/index.html): Combine the flexibility of a credit card with the predictability of a personal loan. (726 words) - [Debt Consolidation Loans | Upgrade](/content/en-ca/personal-loans/debt-consolidation/index.html): Use a debt consolidation loan to streamline your monthly payments and pay off your high-interest debt. Check your rate in just minutes and get on your way to achieving your financial goals. (474 words) - [Expedia Group to Introduce Flex Pay for Cruise Bookings | Upgrade](/content/en-ca/press/memos/expedia-group-to-introduce-flex-pay-for-cruise-bookings.html): Expedia Group, one of the world’s leading travel technology companies, has chosen Flex Pay to bring flexible payment options to travelers booking cruise vacations in the US and Canada. (599 words) - [RIU Hotels & Resorts to Offer Book Now, Pay Later Payment Options to Guests through Flex Pay | Upgrade](/content/en-ca/press/memos/riu-hotels-resorts-to-offer-book-now-pay-later-payment-options-to-guests-through-flex-pay.html): We’re excited to announce a partnership with RIU Hotels & Resorts. This new partnership gives travelers the ability to spread the cost of their vacation over time through Flex Pay. (396 words) - [en-ca/help/index.html](/content/en-ca/help/index.html) (9 words) - [Upgrade Auto | Auto financing through Upgrade | Upgrade](/content/en-ca/auto-finance/index.html): Upgrade offers affordable monthly payment with low fixed rates. Customers can make payments and manage their account from anywhere with our online dashboard or the Upgrade App. (413 words) - [Upgrade, Inc. Partners with Over 1,000 Dealers for Rapidly Growing Auto Financing Program | Upgrade](/content/en-ca/press/memos/upgrade-inc-partners-with-over-1-000-dealers-for-rapidly-growing-auto-financing-program.html): January 15, 2025—Upgrade's auto financing product reaches a major milestone: partnering with more than 1,000 franchise and independent dealerships nationwide, just 1 year after launch. (355 words) - [Upgrade Home Improvement Surpasses $2 Billion in Loans Originated | Upgrade](/content/en-ca/press/memos/upgrade-home-improvement-surpasses-2-billion-in-loans-originated.html): Upgrade surpasses $2B in home improvement loans, helping homeowners finance projects with ease. (375 words) - [Agent Terms of Use | Flex Pay by Upgrade | Upgrade](/content/en-ca/flex-pay/agent-terms-of-use/index.html): Read and review Flex pay by Upgrade’s agent terms of use. (2,537 words) - [Customer Financing for Residential Contractors | Upgrade](/content/en-ca/home-improvement/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (304 words) - [Secured OneCard Launch | Upgrade](/content/en-ca/press/memos/secured-onecard-launch/index.html): December 13, 2023—Upgrade launches Secured OneCard, a secured version of our popular Upgrade OneCard™, designed for consumers with no or little credit history. (333 words) - [Personal Loans and Cards](/content/funnel/borrower-documents/terms_of_use/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (4,575 words) - [Upgrade Credit Health | Check and Monitor Your Credit Score For Free | Upgrade](/content/en-ca/credit-health-monitoring/index.html): Get your free credit score and monitor it over time with Upgrade's Credit Health. Personalized recommendations can help you gain a better understanding of what goes into your score and how to improve it. Get started on a better financial future today. (215 words) - [Premium Benefits | Boost Money™ | Upgrade](/content/en-ca/boost-money/premium/index.html): Go Premium for $9.99/month to unlock the best benefits Boost Money™ has to offer. Free express delivery of BoostCash™ advances, high-yield savings, and more. (254 words) - [en-ca/security/index.html](/content/en-ca/security/index.html) (653 words) - [Belonging | Upgrade](/content/en-ca/careers/belonging/index.html): Belonging. We’re building a company where everyone is welcome. A company where you can be yourself. A place where people help and empower each other. Come build it with us. (266 words) - [Refinance credit card debt with a personal loan | Upgrade](/content/en-ca/personal-loans/refinance-credit-cards/index.html): Refinance high-interest credit card debt with a personal loan up to $50,000. Lock in a low fixed rate and simplify your payments. Check your rate in minutes with no credit score impact. (514 words) - [Shop with hundreds of travel and retail partners | Upgrade](/content/en-ca/flex-pay/find-partners/index.html): Just choose Flex Pay at checkout to find flexible financing options. (25 words) - [Careers at Upgrade | Phoenix Service Center | Upgrade](/content/en-ca/careers/phoenix/index.html): Upgrade is looking for new members to join the Phoenix Service Center. Learn about careers and company culture at Upgrade. (82 words) - [Careers at Upgrade | Benefits | Upgrade](/content/en-ca/careers/benefits/index.html): Benefits. We believe work and life should fit together. (105 words) - [Become a Partner | Flex Pay by Upgrade | Upgrade](/content/en-ca/flex-pay/partners/index.html): Flex Pay partners with hundreds of the world's favorite brands. Elevate your brand and boost sales with Flex Pay. (633 words) - [Upgrade Press Room | Upgrade News, Media & Company Updates | Upgrade](/content/en-ca/press/memos/index.html): Read the latest Upgrade memos featuring company news, milestones, product launches, and industry updates. (564 words) - [en-ca/files/uplift-canada-services-ulc-alberta-high-cost-credit-license-359083-exp-202026-11-30-pdf.html](/content/en-ca/files/uplift-canada-services-ulc-alberta-high-cost-credit-license-359083-exp-202026-11-30-pdf.html) (9 words) - [Allpoint ATM Network | Upgrade](/content/en-ca/atm-network/index.html): Discover seamless cash access with Upgrade and the Allpoint ATM of over 55,000 fee-free ATMs across the U.S.. Whether you're transferring funds, withdrawing cash, or checking your balance, find the nearest no-fee ATM effortlessly. (614 words) - [Get Cash Fast, Build Credit, Grow Savings | Boost Money™ | Upgrade](/content/boost-money/index.html): Sign up for Boost Money™ and get cash advances up to $500. 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(240 words) - [Privacy | Upgrade](/content/en-ca/flex-pay/privacy/index.html) (3,153 words) - [Credit Cards - Learn about responsible credit card use](/content/credit-health/insights/credit-cards/index.html): Tips and frameworks to help you use credit and cash back cards responsibly (248 words) - [Managing Debt - Kick start your journey to financial freedom](/content/credit-health/insights/debt-management/index.html): Tools to help you manage your money and stay out of debt for good (232 words) - [privacy_policy_california_employee/index.html](/content/privacy_policy_california_employee/index.html) (9 words) - [Licenses | Flex Pay by Upgrade | Upgrade](/content/en-ca/flex-pay/licenses/index.html) (141 words) - [Buy Now, Pay Later | Flex Pay by Upgrade | Upgrade](/content/en-ca/flex-pay/index.html): Pay over time and spread the cost of your purchase into easy monthly payments through Flex Pay by Upgrade. Buy now and pay over time in bite-sized installments. 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(1,275 words) - [press/memos/jeffrey-meiler-joins-upgrade-as-chief-operating-officer-coo.html](/content/press/memos/jeffrey-meiler-joins-upgrade-as-chief-operating-officer-coo.html) (9 words) - [credit-health/insights/how-much-can-cash-advances-cost-fees-interest-and-charges-explained/upgrade-com/boost-money/eligibility/index.html](/content/credit-health/insights/how-much-can-cash-advances-cost-fees-interest-and-charges-explained/upgrade-com/boost-money/eligibility/index.html) (9 words) - [files/nilsonreportfeb2022-pdf.html](/content/files/nilsonreportfeb2022-pdf.html) (844 words) - [Accessibility | Flex Pay by Upgrade | Upgrade](/content/en-ca/accessibility/index.html): Read and review Flex pay by Upgrade’s accessibility information. (79 words) - [Flex Pay by Upgrade Lenders | Upgrade](/content/en-ca/flex-pay/lenders/index.html): Loans made through Flex Pay are offered by Uplift Canada Services ULC. (23 words) - [Credit Building Made Easy | Boost Money™ | Upgrade](/content/boost-money/credit-builder/index.html): Build credit interest-free with the secured Boost Money™ Card. No annual fee or minimum deposit. Credit score monitoring, tools, alerts. (851 words) - [files/nilsonreportsep2022-pdf.html](/content/files/nilsonreportsep2022-pdf.html) (530 words) - [files/nilsonreport50-pdf.html](/content/files/nilsonreport50-pdf.html) (601 words) - [credit-health/insights/how-to-improve-your-debt-to-income-ratio/index.html](/content/credit-health/insights/how-to-improve-your-debt-to-income-ratio/index.html) (9 words) - [400 Bad Request](/content/upgrade-card/triple-cash/earn-20up-20to-203-20unlimited-20cash-20back-20everyday-20on-20every-20purchase-20when-20you-20pay-20it-20back1.html) (162 words) - [credit-health/insights/how-to-build-a-budget/index.html](/content/credit-health/insights/how-to-build-a-budget/index.html) (9 words) - [help/personal-loan/personal-loan/how-is-my-current-auto-loan-paid-off/index.html](/content/help/personal-loan/personal-loan/how-is-my-current-auto-loan-paid-off/index.html) (9 words) - [Upgrade - Personal Loans and Cards](/content/landing/dba/index.html) (11 words) - [Upgrade CalFIPA Notice_Updated_8-1-23.docx](/content/files/calfipa_privacy_notice-pdf.html) (275 words) - [Upgrade - Affordable Online Personal Loans](/content/personal-loans/funnel/submit-email/index.html) (319 words) - [help/personal-loan/auto-secured-loan/what-is-an-auto-secured-loan/index-2.html](/content/help/personal-loan/auto-secured-loan/what-is-an-auto-secured-loan/index-2.html) (9 words) - [credit-health/insights/improve-credit-score/index.html](/content/credit-health/insights/improve-credit-score/index.html) (9 words) - [help/application-process/applying-for-account/where-do-i-locate-my-15-digit-pre-approval-code/upgrade-com.html](/content/help/application-process/applying-for-account/where-do-i-locate-my-15-digit-pre-approval-code/upgrade-com.html) (9 words) - [credit-health/insights/5-things-to-know-about-upgrade-rewards-checking-plus.html](/content/credit-health/insights/5-things-to-know-about-upgrade-rewards-checking-plus.html) (9 words) - [Get BoostCash™ Advances Up To $500 | Boost Money™ | Upgrade](/content/boost-money/boostcash/index.html): Unlock BoostCash™ advances up to $500. No interest or late fees. Whether you need money for gas, groceries, emergencies, or bills - we've got you covered. (526 words) - [Premium Benefits | Boost Money™ | Upgrade](/content/boost-money/premium/index.html): Go Premium for $9.99/month to unlock the best benefits Boost Money™ has to offer. Free express delivery of BoostCash™ advances, high-yield savings, and more. (252 words) - [credit-health/insights/what-is-a-cash-advance/upgrade-com/boost-money/eligibility/index.html](/content/credit-health/insights/what-is-a-cash-advance/upgrade-com/boost-money/eligibility/index.html) (9 words) - [credit-health/insights/better-money-habits-to-boost-your-credit/index.html](/content/credit-health/insights/better-money-habits-to-boost-your-credit/index.html) (9 words) - [upgrade-money/index.html](/content/upgrade-money/index.html) (9 words) - [credit-health/insights/fixed-rates-vs-variable-rates/index.html](/content/credit-health/insights/fixed-rates-vs-variable-rates/index.html) (9 words) - [credit-health/insights/a-fast-way-to-get-a-cash-advance-hint-it-s-not-a-credit-card/upgrade-com/boost-money/eligibility/index.html](/content/credit-health/insights/a-fast-way-to-get-a-cash-advance-hint-it-s-not-a-credit-card/upgrade-com/boost-money/eligibility/index.html) (9 words) - [Personal Loans and Cards](/content/funnel/borrower-documents/privacy_policy/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (914 words) - [personal-credit-line/index.html](/content/personal-credit-line/index.html) (378 words) - [Personal information | Upgrade](/content/funnel/pcl/pi1/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (588 words) - [Bank Partners | Upgrade](/content/bank-partners/index-2.html): Upgrade partners with banks and other financial institutions who originate loans and provide deposit accounts. This allows Upgrade to provide access to affordable and responsible credit, banking, and payment products. (12 words) - [Applying for Account - Application Process - Help Center](/content/help/application-process/applying-for-account/index.html): Frequently asked questions about Applying for Account. Find answers and support for Applying for Account. (428 words) - [rewards-checking/index.html](/content/rewards-checking/index.html) (696 words) - [files/new-mexico-loan-rate-and-fee-disclosure-pdf.html](/content/files/new-mexico-loan-rate-and-fee-disclosure-pdf.html) (397 words) - [Personal Loans and Cards](/content/auth/reset-password/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (24 words) - [Sign in | Upgrade](/content/portal/login-deposit-user/index.html): Sign in to securely access your Upgrade account. Personal loans, Upgrade Card, Rewards Checking, and Credit Health. (298 words) - [press/memos/upgrade-20auto-20-1b-20originations/index.html](/content/press/memos/upgrade-20auto-20-1b-20originations/index.html) (9 words) - [Contact information | Upgrade](/content/funnel/personal-information-1/index.html): Let's get started with some basic information (246 words) - [Overview - About Upgrade - Help Center](/content/help/about-upgrade/overview/index.html): Frequently asked questions about Overview. Find answers and support for Overview. (181 words) - [Enter Email Address | Upgrade Rewards Checking Preferred](/content/deposit/apply/account-email/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (348 words) - [help/deposit-checking-savings/rewards-checking/how-do-i-set-up-direct-deposit/index-2.html](/content/help/deposit-checking-savings/rewards-checking/how-do-i-set-up-direct-deposit/index-2.html) (9 words) - [files/west-virgina-collection-agency-license-no-2427-7447-issued-090122-received-021323-pdf.html](/content/files/west-virgina-collection-agency-license-no-2427-7447-issued-090122-received-021323-pdf.html) (194 words) - [files/oklahoma-supervised-lender-license-no-sl008605-sf-ca-expires-123125-pdf.html](/content/files/oklahoma-supervised-lender-license-no-sl008605-sf-ca-expires-123125-pdf.html) (99 words) - [files/south-carolina-bfi-supervised-lender-license-no-sl-1897458-uplift-inc-issued-june-19-2024-sf-ca-pdf.html](/content/files/south-carolina-bfi-supervised-lender-license-no-sl-1897458-uplift-inc-issued-june-19-2024-sf-ca-pdf.html) (173 words) - [files/south-carolina-bfi-supervised-lenders-license-no-slw1-1897458slw1-www-uplift-com-website-1-issued-jan-18-2024-pdf.html](/content/files/south-carolina-bfi-supervised-lenders-license-no-slw1-1897458slw1-www-uplift-com-website-1-issued-jan-18-2024-pdf.html) (166 words) - [files/south-carolina-bfi-supervised-lenders-license-no-slw2-1897458-pay-uplift-com-website-2-issued-jan-17-2024-pdf.html](/content/files/south-carolina-bfi-supervised-lenders-license-no-slw2-1897458-pay-uplift-com-website-2-issued-jan-17-2024-pdf.html) (167 words) - [help/deposit-checking-savings/everyday-savings/is-there-a-maximum-amount-i-can-keep-in-the-everyday-savings-account/www-fdic-gov.html](/content/help/deposit-checking-savings/everyday-savings/is-there-a-maximum-amount-i-can-keep-in-the-everyday-savings-account/www-fdic-gov.html) (9 words) - [Microsoft Word - SL Important Consumer Information Brochure with background 02-2023](/content/files/new-mexico-consumer-information-brochure-sample-pdf.html) (185 words) - [Payments & Billing - Account Management & Payments - Help Center](/content/help/account-management-payments/payments-billing/index.html): Frequently asked questions about Payments & Billing. Find answers and support for Payments & Billing. (249 words) - [help/account-management-payments/payments-billing/can-i-pay-off-my-loan-early/index-2.html](/content/help/account-management-payments/payments-billing/can-i-pay-off-my-loan-early/index-2.html) (9 words) - [Personal Loans and Cards](/content/credit-health/create-user/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (130 words) - [License Document](/content/files/arizona-collection-agency-license-no-ca-1042302-expires-dec-31-2025-pdf.html) (44 words) - [files/texas-regulated-lender-license-sunnyvale-ca-no-2100070619-167460-issued-083122-pdf.html](/content/files/texas-regulated-lender-license-sunnyvale-ca-no-2100070619-167460-issued-083122-pdf.html) (37 words) - [Log in to get your pre-approved personal loan | Upgrade](/content/funnel/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (51 words) - [Continue with your loan application | Upgrade](/content/funnel/new/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (19 words) - [files/guide-to-benefits-pdf.html](/content/files/guide-to-benefits-pdf.html) (700 words) - [files/traditional-rewards-benefits-pdf.html](/content/files/traditional-rewards-benefits-pdf.html) (876 words) - [files/boost-money/guide-to-benefits-pdf.html](/content/files/boost-money/guide-to-benefits-pdf.html) (534 words) - [About Upgrade - Help Center](/content/help/about-upgrade/index.html): Browse frequently asked questions in About Upgrade. Find answers to common questions about About Upgrade. (49 words) - [License Document](/content/files/arizona-consumer-lender-license-no-cl-1005406-expires-june-30-2026-pdf.html) (54 words) - [apply/index.html](/content/apply/index.html) (57 words) - [Log in to get started | Upgrade](/content/funnel/nondmfunnel/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (57 words) - [Boost Money™ Spend FAQs - Boost Money™ - Help Center](/content/help/boost-money/boost-money-spend-faqs/index.html): Frequently asked questions about Boost Money™ Spend FAQs. Find answers and support for Boost Money™ Spend FAQs. (272 words) - [Personal Loans and Cards](/content/deposit/borrower-agreement/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (20,910 words) - [Upgrade - Personal Loans and Cards](/content/landing/nondmfunnel/index.html) (11 words) - [Account Management & Payments - Help Center](/content/help/account-management-payments/index.html): Browse frequently asked questions in Account Management & Payments. Find answers to common questions about Account Management & Payments. (40 words) - [Boost Money™ Premium - Boost Money™ - Help Center](/content/help/boost-money/boost-money-premium/index.html): Frequently asked questions about Boost Money™ Premium. Find answers and support for Boost Money™ Premium. (188 words) - [RevUp Program - Auto Finance - Help Center](/content/help/auto-finance/revup-program/index.html): Frequently asked questions about RevUp Program. Find answers and support for RevUp Program. (72 words) - [Auto Finance - Help Center](/content/help/auto-finance/index.html): Browse frequently asked questions in Auto Finance. Find answers to common questions about Auto Finance. (47 words) - [Application Process - Help Center](/content/help/application-process/index.html): Browse frequently asked questions in Application Process. Find answers to common questions about Application Process. (43 words) - [Boost Money™ - Boost Money™ - Help Center](/content/help/boost-money/boost-money/index.html): Frequently asked questions about Boost Money™. Find answers and support for Boost Money™. (225 words) - [Boost Money™ - Help Center](/content/help/boost-money/index.html): Browse frequently asked questions in Boost Money™. Find answers to common questions about Boost Money™. (140 words) - [Upgrade Shopping - Help Center](/content/help/upgrade-shopping/index.html): Browse frequently asked questions in Upgrade Shopping. Find answers to common questions about Upgrade Shopping. (29 words) - [Overview - Credit Health - Help Center](/content/help/credit-health/overview/index.html): Frequently asked questions about Overview. Find answers and support for Overview. (131 words) - [Frequently Asked Questions | Flex Pay by Upgrade | Upgrade](/content/flex-pay/frequently-asked-questions/index.html): Learn more about Flex Pay by Upgrade and how you can easily spread the cost of your trip or purchase over bite-sized, monthly installments. (4,905 words) - [BoostCash™ - BoostCash™ - Help Center](/content/help/boostcash/boostcash/index.html): Frequently asked questions about BoostCash™. Find answers and support for BoostCash™. (153 words) - [BoostCash™ - Help Center](/content/help/boostcash/index.html): Browse frequently asked questions in BoostCash™. Find answers to common questions about BoostCash™. (34 words) - [Privacy & Security - Help Center](/content/help/privacy-security/index.html): Browse frequently asked questions in Privacy & Security. Find answers to common questions about Privacy & Security. (57 words) - [Credit Health - Help Center](/content/help/credit-health/index.html): Browse frequently asked questions in Credit Health. Find answers to common questions about Credit Health. (50 words) - [Refer a Friend & Bonuses - Help Center](/content/help/refer-a-friend-bonuses/index.html): Browse frequently asked questions in Refer a Friend & Bonuses. Find answers to common questions about Refer a Friend & Bonuses. (65 words) - [Upgrade Card - Upgrade Cards - Help Center](/content/help/upgrade-cards/upgrade-card/index.html): Frequently asked questions about Upgrade Card. Find answers and support for Upgrade Card. (336 words) - [Overview - Flex Pay - Help Center](/content/help/flex-pay/overview/index.html): Frequently asked questions about Overview. Find answers and support for Overview. (5 words) - [Upgrade Cards - Help Center](/content/help/upgrade-cards/index.html): Browse frequently asked questions in Upgrade Cards. Find answers to common questions about Upgrade Cards. (225 words) - [Refer a Friend - Refer a Friend & Bonuses - Help Center](/content/help/refer-a-friend-bonuses/refer-a-friend/index.html): Frequently asked questions about Refer a Friend . Find answers and support for Refer a Friend . (46 words) - [Overview - Privacy & Security - Help Center](/content/help/privacy-security/overview/index.html): Frequently asked questions about Overview. Find answers and support for Overview. (62 words) - [Welcome Bonus - Refer a Friend & Bonuses - Help Center](/content/help/refer-a-friend-bonuses/welcome-bonus/index.html): Frequently asked questions about Welcome Bonus . Find answers and support for Welcome Bonus . (14 words) - [Flex Pay - Help Center](/content/help/flex-pay/index.html): Browse frequently asked questions in Flex Pay. Find answers to common questions about Flex Pay. (7 words) - [Upgrade Card - Upgrade Cards - Help Center](/content/help/upgrade-cards/onecard/index.html): Frequently asked questions about Upgrade Card. Find answers and support for Upgrade Card. (190 words) - [State Licenses and Consumer Information - Upgrade, Inc. - State Licenses and Consumer Information - Help Center](/content/help/upgrade-inc-state-licenses-and-consumer-information/state-licenses-and-consumer-information/index.html): Frequently asked questions about State Licenses and Consumer Information. Find answers and support for State Licenses and Consumer Information. (52 words) - [Performance Savings - Deposit (Checking & Savings) - Help Center](/content/help/deposit-checking-savings/performance-savings/index.html): Frequently asked questions about Performance Savings. Find answers and support for Performance Savings. (160 words) - [Upgrade Card Account - Upgrade Cards - Help Center](/content/help/upgrade-cards/onecard-with-secured-account/index.html): Frequently asked questions about Upgrade Card Account. Find answers and support for Upgrade Card Account. (110 words) - [Rewards Checking Preferred - Deposit (Checking & Savings) - Help Center](/content/help/deposit-checking-savings/rewards-checking/index.html): Frequently asked questions about Rewards Checking Preferred. Find answers and support for Rewards Checking Preferred. (284 words) - [Deposit (Checking & Savings) - Help Center](/content/help/deposit-checking-savings/index.html): Browse frequently asked questions in Deposit (Checking & Savings). 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Find answers and support for Deposit . (172 words) - [Shopping Rewards - Upgrade Shopping - Help Center](/content/help/upgrade-shopping/shopping-rewards/index.html): Frequently asked questions about Shopping Rewards. Find answers and support for Shopping Rewards. (27 words) - [Premier Savings - Deposit (Checking & Savings) - Help Center](/content/help/deposit-checking-savings/premier-savings/index.html): Frequently asked questions about Premier Savings. Find answers and support for Premier Savings. (182 words) - [Upgrade Press Room | Upgrade News, Media & Company Updates | Upgrade](/content/press/releases/index.html): Explore Upgrade press releases, news coverage, and media resources in our official press room. (1,884 words) - [Upgrade, Inc. - State Licenses and Consumer Information - Help Center](/content/help/upgrade-inc-state-licenses-and-consumer-information.html): Browse frequently asked questions in Upgrade, Inc. - State Licenses and Consumer Information. Find answers to common questions about Upgrade, Inc. - State Licenses and Consumer Information. (24 words) - [Upgrade, Inc. Launches Upgrade Card | Press Room | Upgrade](/content/press/releases/upgrade-inc-launches-upgrade-card/index.html): Upgrade announced the launch of Upgrade Card. The new card offers the flexibility and convenience of a credit card accepted by millions of merchants, coupled with the lower cost and responsible use of credit of installment loans. (689 words) - [Upgrade Announces Launch of Boost Money™ With Access to Cash Advance and up to 10% APY Savings Account - Our Response to the K-Shape Economy and the Affordability Crisis | Upgrade](/content/press/memos/upgrade-announces-launch-of-boost-money/index.html): We’re proud to announce the launch of Boost Money™, a mobile banking product designed to help consumers get access to cash when they need it most, build credit, and grow their savings.  (1,381 words) - [For Customers - Home Improvement - Help Center](/content/help/home-improvement/customers/index.html): Frequently asked questions about For Customers. Find answers and support for For Customers. (136 words) - [Rewards Checking Preferred - Deposit (Checking & Savings) - Help Center](/content/help/deposit-checking-savings/rewards-checking-plus-preferred/index.html): Frequently asked questions about Rewards Checking Preferred. Find answers and support for Rewards Checking Preferred. (23 words) - [Home Improvement - Help Center](/content/help/home-improvement/index.html): Browse frequently asked questions in Home Improvement. Find answers to common questions about Home Improvement. (145 words) - [Resorts World Las Vegas to Offer Book Now, Pay Later Options through Flex Pay | Upgrade](/content/press/memos/flex-pay-partners-with-resorts-world-las-vegas-to-offer-book-now-pay-later-options.html): Resorts World Las Vegas becomes among the first properties on the Las Vegas Strip to offer Flex Pay. (625 words) - [For Contractors - Home Improvement - Help Center](/content/help/home-improvement/contractors/index.html): Frequently asked questions about For Contractors. Find answers and support for For Contractors. (160 words) - [Fly Now, Pay Later: Flair Airlines Launches Flexible Payment Options for Travellers through Flex Pay | Upgrade](/content/press/memos/fly-now-pay-later-flair-airlines-launches-flexible-payment-options-for-travellers-through-flex-pay.html): Our partnership with Flair Airlines, Canada’s leading low-fare, green airline brings Flex Pay, Upgrade’s Buy Now, Pay Later (BNPL) solution, to Flair’s customers. (525 words) - [Upgrade Launches Unique Rewards Checking Account | Upgrade](/content/press/releases/upgrade-launches-unique-rewards-checking-account/index.html): Upgrade customers pay no fees, earn 2% cash back on common everyday expenses and qualify for better lending rates (627 words) - [Upgrade Closes $40 Million Series D Round Led by Santander InnoVentures | Upgrade](/content/press/releases/upgrade-closes-40-million-series-d-round-led-by-santander-innoventures.html): Global Bank Joins Leading Fintech Investors Backing Credit-led Neobank Model (583 words) - [Expedia Group to Introduce Flex Pay for Cruise Bookings | Upgrade](/content/press/memos/expedia-group-to-introduce-flex-pay-for-cruise-bookings.html): Expedia Group, one of the world’s leading travel technology companies, has chosen Flex Pay to bring flexible payment options to travelers booking cruise vacations in the US and Canada. (599 words) - [Upgrade Home Improvement Surpasses $1B in Loans Originated | Upgrade](/content/press/memos/upgrade-home-improvement-surpasses-1-billion-in-loans-originated.html): December 10, 2024—Upgrade has surpassed $1 billion in home improvement loan originations. Over 65,000 loans that have empowered homeowners to enhance their living spaces, improve energy efficiency, and increase property value through essential upgrades. (462 words) - [JetBlue Vacations Partners with Flex Pay to Launch Monthly Payment Option | Upgrade](/content/press/memos/jetblue-vacations-partners-with-flex-pay/index.html) (807 words) - [Personal Loan - Help Center](/content/help/personal-loan/index.html): Browse frequently asked questions in Personal Loan. Find answers to common questions about Personal Loan. (188 words) - [Auto Secured Loan - Personal Loan - Help Center](/content/help/personal-loan/auto-secured-loan/index.html): Frequently asked questions about Auto Secured Loan. Find answers and support for Auto Secured Loan. (134 words) - [Upgrade Auto Surpasses $1 Billion in Total Originations, Launches GAP Coverage and Vehicle Service Contracts | Upgrade](/content/press/memos/upgrade-auto-1b-originations-gap-vsc/index.html): Upgrade Auto hits $1B in loan originations, driving growth with affordable and flexible auto finance. (509 words) - [RIU Hotels & Resorts to Offer Book Now, Pay Later Payment Options to Guests through Flex Pay | Upgrade](/content/press/memos/riu-hotels-resorts-to-offer-book-now-pay-later-payment-options-to-guests-through-flex-pay.html): We’re excited to announce a partnership with RIU Hotels & Resorts. This new partnership gives travelers the ability to spread the cost of their vacation over time through Flex Pay. (395 words) - [Upgrade Home Improvement Surpasses $2 Billion in Loans Originated | Upgrade](/content/press/memos/upgrade-home-improvement-surpasses-2-billion-in-loans-originated.html): Upgrade surpasses $2B in home improvement loans, helping homeowners finance projects with ease. (378 words) - [Upgrade, Inc. Partners with Over 1,000 Dealers for Rapidly Growing Auto Financing Program | Upgrade](/content/press/memos/upgrade-inc-partners-with-over-1-000-dealers-for-rapidly-growing-auto-financing-program.html): January 15, 2025—Upgrade's auto financing product reaches a major milestone: partnering with more than 1,000 franchise and independent dealerships nationwide, just 1 year after launch. (356 words) - [Upgrade, Inc. Completes $225 Million Securitization | Upgrade](/content/press/releases/upgrade-inc-completes-225-million-securitization/index.html): Upgrade announced today it closed its second securitization of personal loans. (481 words) - [Upgrade Card the Fastest Growing US Credit Card According to Nilson Report | Upgrade](/content/press/releases/upgrade-card-the-fastest-growing-us-credit-card-according-to-nilson-report.html): Upgrade becomes the first Fintech company to enter the top 50 of Nilson Report’s U.S. Visa/Mastercard Credit Card Issuers (468 words) - [Press Room | Upgrade, Inc. Introduces Personal Credit Line | Upgrade](/content/press/releases/upgrade-introduces-personal-credit-line/index.html): New product to combine the low cost, fixed rate and responsible credit of a personal loan with the flexibility and convenience of a credit card (445 words) - [Uplift Rebrands to Flex Pay, Reflecting Growth and Expanded Opportunities | Upgrade](/content/press/releases/uplift-rebrands-to-flex-pay-reflecting-growth-and-expanded-opportunities.html): Over 750 travel and retail brands use the Buy Now, Pay Later solution to enhance customer engagement and loyalty. (394 words) - [Press Room | Upgrade, Inc. Closes $62 Million Series C Round | Upgrade](/content/press/releases/upgrade-closes-62-millions-series-c-round/index.html): Upgrade, Inc. announced today that it closed its Series C round of financing led by CreditEase Fintech Investment Fund. (498 words) - [Upgrade Card the Fastest Growing US Credit Card | Upgrade](/content/press/releases/upgrade-card-the-fastest-growing-us-credit-card-according-to-nilson-report-1.html): Upgrade is the only Fintech in the top 50 U.S. Credit Card Issuers (462 words) - [Upgrade Closes $105 Million Series E Round at $3.325 Billion Valuation | Upgrade](/content/press/releases/upgrade-closes-105-million-series-e-round-at-3-325-billion-valuation.html): Company will use proceeds to fuel next phase of financial innovation that benefits consumers (506 words) - [Personal Loan - Personal Loan - Help Center](/content/help/personal-loan/personal-loan/index.html): Frequently asked questions about Personal Loan. Find answers and support for Personal Loan. (83 words) - [Upgrade Raises $165 Million Equity Investment | Upgrade](/content/press/releases/upgrade-raises-165-million-equity-investment/index.html): Series G round led by Neuberger Berman Funds (525 words) - [Upgrade Card the Fastest Growing top 50 US Credit Card For Second Year According to Nilson Report | Upgrade](/content/press/releases/upgrade-card-the-fastest-growing-us-credit-card-for-second-consecutive-year-according-to-nilson-report.html): Upgrade is the only Fintech listed in the Top 25 U.S. Credit Card Issuers (435 words) - [Press Room | Upgrade, Inc. Launches New Consumer Credit Platform | Upgrade](/content/press/releases/upgrade-inc-launches-new-consumer-credit-platform/index.html): New platform to combine consumer loans with credit monitoring and credit education features (418 words) - [Press Room | Upgrade Inc. Named a 2020 "Best Place to Work in the Bay Area" | Upgrade](/content/press/releases/upgrade-inc-named-a-2020-best-place-to-work-in-the-bay-area.html): Neobank Recognized for Outstanding Employee Satisfaction (393 words) - [Press Room | Upgrade, Inc. Rated #1 Personal Loan by LendingTree | Upgrade](/content/press/releases/upgrade-inc-rated-number-one-personal-loan-by-lending-tree.html): Upgrade awarded top ranking based on LendingTree Customer Reviews in Q4 2017 (366 words) - [Premium Terms and Conditions | Upgrade](/content/legal/premium-terms/index.html): Premium Terms and Conditions (2,943 words) - [Press Room | Upgrade, Inc. Completes $282 Million Securitization | Upgrade](/content/press/releases/upgrade-inc-completes-282-million-securitization/index.html): Credit Suisse and Jefferies Serve as Lead Underwriters (375 words) - [Princess Cruises Selects Flex Pay To Turn Dream Voyages Into Booked Adventures With New Payment Flexibility | Upgrade](/content/press/memos/princess-cruises-selects-flex-pay/index.html): Flex Pay, Upgrade’s Buy Now, Pay Later solution, empowers Princess guests to book now with the flexibility to pay over time - unlocking World Cruises, premium staterooms, and bucket-list voyages for every traveler (880 words) - [credit-health/insights/how-to-pay-down-debt/index.html](/content/credit-health/insights/how-to-pay-down-debt/index.html) (9 words) - [Upgrade's Credit Health and Money Insights | Upgrade](/content/credit-health/insights/index.html): Understand your credit and money health with resources that can help you unlock your full credit potential and make the most of your credit. (269 words) - [Upgrade OneCard™ Gives Consumers a Single Card For All Their Purchases | Upgrade](/content/press/releases/upgrade-onecard-gives-consumers-a-single-card-for-all-their-purchases.html): New card innovation offers the rewards of a credit card and helps consumers stay within budget like a debit card (816 words) - [Press Room | Upgrade Inc. Named a 2018 ‘Best Place to Work in the Bay Area’ | Upgrade](/content/press/releases/upgrade-named-2018-best-place-to-work-in-bay-area/index.html): Fintech Company Recognized for Dedication to Employee Success and Satisfaction (504 words) - [Upgrade Delivers $40 Billion of Credit to Over 7 Million Customers | Upgrade](/content/press/memos/upgrade-delivers-40-billion-of-credit-to-over-7-million-customers.html): Comprehensive suite of products and diverse distribution channels fuel consistent growth (466 words) - [WestJet Selects Flex Pay to Bring Flexible Payment Options to Travellers | Upgrade](/content/press/memos/westjet-selects-flex-pay-to-bring-flexible-payment-options-to-travellers.html) (489 words) - [Upgrade Acquires Uplift for $100 Million in Cash and Stock | Upgrade](/content/press/releases/upgrade-acquires-uplift-for-100-million-in-cash-and-stock.html): Acquisition Will Make Travel More Accessible and Affordable for Millions of Consumers (559 words) - [Upgrade Card Launches a Cash Back Program | Upgrade](/content/press/releases/upgrade-card-launches-a-cash-back-program-that-rewards-consumers-for-doing-whats-good-for-them.html): Upgrade Card Launches a cash back program that rewards consumers for doing what's good for them. (393 words) - [Upgrade Raises $280 Million at $6 Billion Valuation | Upgrade](/content/press/releases/upgrade-raises-280-million-at-6-billion-valuation/index.html): New investments will help consolidate Upgrade Card as fastest growing credit card in America (563 words) - [Skipify Terms & Conditions | Flex Pay | Upgrade](/content/flex-pay/skipify-terms/index.html): Skipify Terms & Conditions | Flex Pay (2,307 words) - [Upgrade Card Cash Back Rewards Program Terms and Conditions | Upgrade](/content/upgrade-card/cash-rewards/program-terms/index.html): Learn more about Upgrade Card Cash Back Rewards program. (1,170 words) - [Upgrade, Inc. Announces Partnership with One Hundred Credit Unions | Upgrade](/content/press/releases/upgrade-inc-announces-partnership-with-one-hundred-credit-unions.html): Credit Unions of all sizes partner with Upgrade to acquire assets and new members (561 words) - [Upgrade Launches Everyday Savings Account Offering 3.50% APY | Upgrade](/content/press/releases/upgrade-launches-high-yield-savings-account-offering-3-50-apy.html): Upgrade utilizes new process and technology to deliver higher yields to consumers (383 words) - [Press Room | Upgrade and Corridor Collaborate on Big Data and Credit Analytics | Upgrade](/content/press/releases/upgrade-and-corridor-collaborate-on-big-data-and-credit-analytics.html): Consumer credit platform Upgrade, Inc. partners with new analytics platform founded by American Express executives (579 words) - [Upgrade, Inc. Named a 2019 ‘Best Place to Work in the Bay Area’ | Press Room | Upgrade](/content/press/releases/upgrade-inc-named-a-2019-best-place-to-work-in-the-bay-area.html): Fintech Company Recognized for Outstanding Employee Satisfaction (347 words) - [Rewards Checking Preferred - Up to 2% Cash Back | Upgrade](/content/rewards-checking-preferred/index.html): Rewards Checking Preferred earns you up to 2% cash back on purchases. No monthly fees, FDIC-insured, get paid up to 2 days early with direct deposit. Open an account today! (839 words) - [Secured OneCard Launch | Upgrade](/content/press/memos/secured-onecard-launch/index.html): December 13, 2023—Upgrade launches Secured OneCard, a secured version of our popular Upgrade OneCard™, designed for consumers with no or little credit history. (333 words) - [Bank Partners | Upgrade](/content/bank-partners/index.html): Upgrade partners with banks and other financial institutions who originate loans and provide deposit accounts. This allows Upgrade to provide access to affordable and responsible credit, banking, and payment products. (86 words) - [Customer Financing for Residential Window and Door Installers | Upgrade](/content/home-improvement/window-door-installer/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (227 words) - [Partner with Upgrade Home Improvement | Upgrade](/content/home-improvement/partner/index.html): Partner with Upgrade to provide your Contractor customers the best financing journey. Enable their businesses to grow by unlocking new partnerships with Upgrade home improvement. (251 words) - [Flex Pay Network Merchant Terms & Conditions | Flex Pay | Upgrade](/content/flex-pay/network-merchant-terms-and-conditions/index.html): Flex Pay Network Merchants Terms & Conditions | Flex Pay (1,963 words) - [Flex Pay by Upgrade | Buy Now, Pay Later | Upgrade](/content/flex-pay/index.html): Pay over time — Spread the cost of your purchase into easy monthly payments through Flex Pay. Buy now and pay over time in bite-sized installments. (555 words) - [flex-pay/sirev/index.html](/content/flex-pay/sirev/index.html): Flex Pay is a flexible payment solution that gives SIREV clients the freedom to book their travel now and pay over time. SIREV offers a wide range of travel products and powerful shopping features. Experience an easy-to-use Web-based solution. Available in your store, over the phone or on the go. (651 words) - [Upgrade Press Room | Upgrade News, Media & Company Updates | Upgrade](/content/press/memos/index.html): Read the latest Upgrade memos featuring company news, milestones, product launches, and industry updates. (847 words) - [Upgrade Home Improvement Kyle Erdmann Case Study | Upgrade](/content/home-improvement/case-studies/erdmann/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (199 words) - [Upgrade, Inc. Launches Upgrade Shopping™ to Fight Inflation | Upgrade](/content/press/releases/upgrade-inc-launches-upgrade-shopping-to-fight-inflation.html): Upgrade Shopping™ Offers up to 10% Cashback Rewards at Over 20,000 Retailers (468 words) - [Upgrade Select Card | Get the credit you need | Upgrade](/content/upgrade-card/select-card/index.html): Combine the flexibility of a credit card with the predictability of a personal loan. (713 words) - [Personal loans for major purchases up to $50,000 | Upgrade](/content/personal-loans/major-purchase/index.html): Get a personal loan up to $50,000 for any major purchase. Low fixed rate, fast funding, no collateral required. Check your rate in minutes with no credit score impact. (676 words) - [Press Room | Upgrade Launches First Contactless and Mobile Payment Versions of Upgrade Card | Upgrade](/content/press/releases/upgrade-launches-first-contactless-and-mobile-payment-versions-of-upgrade-card.html): Upgrade Inc. announced today that new Upgrade Card versions designed to help protect consumers against coronavirus transmission are available. (411 words) - [Special occasion personal loans up to $50,000 | Upgrade](/content/personal-loans/major-purchase/special-occasions/index.html): Finance special occasions with a personal loan up to $50,000. Low fixed rate, fast funding through Upgrade. Check your rate in minutes with no credit score impact. (740 words) - [Flex Pay by Upgrade | Become a Flex Pay Partner | Upgrade](/content/flex-pay/partners/index.html): Flex Pay partners with hundreds of the world's favorite brands. Elevate your brand and boost sales with Flex Pay. (444 words) - [Pool loans up to $50,000 - no collateral | Upgrade](/content/personal-loans/home-improvement/pool/index.html): Finance your pool with a pool loan up to $50,000 through Upgrade. No collateral or appraisal required. Low fixed rate. Check your rate in minutes with no credit score impact. (760 words) - [Upgrade Triple Cash Rewards | 3% cash back on home, health and auto purchases | Upgrade](/content/upgrade-card/triple-cash/index.html): Earn unlimited 3% cash back on purchases in Home, Auto, and Health categories and unlimited 1% cash back on all other purchases. (834 words) - [Personal loan for home repairs up to $50,000 | Upgrade](/content/personal-loans/unexpected-expense/home-repairs/index.html): Cover home repair costs with a personal loan up to $50,000. No collateral required, low fixed rate, fast funding through Upgrade. Check your rate in minutes. (608 words) - [Our Partnerships with Credit Unions | Upgrade](/content/credit-unions/index.html): Learn more about opportunities to partner with Upgrade. We have a long pedigree in the marketplace lending space. (377 words) - [Upgrade Press Room | Upgrade News, Media & Company Updates | Upgrade](/content/press/media-assets/index.html): Upgrade media assets, including logos, images, and brand resources for press and partners. (8 words) - [Effy Jewlery | Flex Pay by Upgrade | Upgrade](/content/flex-pay/effy-jewelry/index.html): Pay for your Effy Jewlery in low monthly payments through Flex Pay. (575 words) - [Upgrade Auto | RevUp Rewards Terms | Upgrade](/content/rev-up/terms/index.html): Terms of use for RevUp Rewards (868 words) - [3.05% APY High-Yield Premier Savings Account | Upgrade](/content/premier-savings/index.html): Apply now for a 3.05% APY high-yield Premier Savings account through Upgrade. No monthly fees, secure 24/7 mobile access to your account. (782 words) - [Auto Loan Refinance | Upgrade](/content/auto-refi/index.html): Looking for a lower car payment? When you refinance through Upgrade you may be able to lower your monthly payment, get a lower rate, or both. (878 words) - [Financial Solutions for Residential Roofing Contractors | Upgrade](/content/home-improvement/roofing-contractor/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (164 words) - [Find the Upgrade Card that's right for you | Upgrade](/content/upgrade-card/index.html): Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan. Learn more about the Upgrade Card today! (509 words) - [Unlimited 3% Cash Back Rewards on purchases in Gas, Groceries, Streaming, and Utilities; unlimited 1% cash back on all other purchases. | Upgrade](/content/upgrade-card/life-rewards/index.html): Earn unlimited 3% cash back on gas, groceries, streaming and utilities. (783 words) - [Moving loans up to $50,000 - low fixed rate | Upgrade](/content/personal-loans/home-improvement/moving/index.html): Cover moving expenses with a moving loan up to $50,000 through Upgrade. Low fixed rate, fast funding, no collateral required. Check your rate in minutes. (527 words) - [Carnival Onboard | Flex Pay by Upgrade | Upgrade](/content/flex-pay/carnival-onboard-2/index.html): Carnival guests can now use Financing Powered By Flex Pay to shop while onboard Carnival cruise ships and pay for their items over time with low monthly payments. (547 words) - [Upgrade Home Improvement Jeff Kay Case Study | Upgrade](/content/home-improvement/case-studies/kay/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (257 words) - [Upgrade - Personal Loans, Cards and Rewards Checking | Upgrade](/content/pl-apply/index.html): Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score. (382 words) - [Flex Pay Reviews | Upgrade](/content/flex-pay/reviews/index.html): See what customers have to say about Flex Pay by Upgrade. Authentic reviews from real customers. Flex Pay lets you buy now and pay later. (654 words) - [Personal loans for unexpected expenses | Upgrade](/content/personal-loans/unexpected-expense/index.html): Cover unexpected expenses with a personal loan up to $50,000. Funds in as fast as 24 hours. Low fixed rate, no collateral required. Check your rate with no credit score impact. (457 words) - [Home Improvement Apply | Upgrade](/content/home-improvement/apply/index.html) (780 words) - [Upgrade Cash Rewards Card | Unlimited 1.5% cash back on all purchases | Upgrade](/content/upgrade-card/cash-rewards/index.html): Earn unlimited 1.5% cash back rewards on every purchase, every day. (479 words) - [Funeral Personal Loans | Upgrade](/content/personal-loans/unexpected-expense/funeral-expenses/index.html): Pay for funeral expenses with a personal loan. Get a low, fixed rate funeral personal loan up to $50,000 through Upgrade. Lock in a low fixed rate and affordable monthly payments. Check your rate in minutes with no credit score impact. (408 words) - [Rewards Checking Preferred - Switch Kit | Upgrade](/content/rewards-checking-preferred/switch/index.html): Rewards Checking Preferred earns you up to 2% cash back on purchases. No monthly maintenance fees, FDIC-insured, get paid up to 2 days early with direct deposit. Open an account today! (421 words) - [Upgrade Credit Health | Check and Monitor Your Credit Score For Free | Upgrade](/content/credit-health-monitoring/index.html): Get your free credit score and monitor it over time with Upgrade's Credit Health. Personalized recommendations can help you gain a better understanding of what goes into your score and how to improve it. Get started on a better financial future today. (207 words) - [Home Improvement Personal Loans - No Collateral | Upgrade](/content/personal-loans/home-improvement/index.html): Finance your home renovation with a home improvement personal loan up to $50,000. No collateral or appraisal required. Low fixed rate. Check your rate in minutes. (712 words) - [Refinance credit card debt with a personal loan | Upgrade](/content/personal-loans/refinance-credit-cards/index.html): Refinance high-interest credit card debt with a personal loan up to $50,000. Lock in a low fixed rate and simplify your payments. Check your rate in minutes with no credit score impact. (544 words) - [Rewards Checking Preferred - Earn up to 2% cash back on everyday purchases | Upgrade](/content/rewards-checking-preferred/cash-back-categories/index.html): Open a Rewards Checking Preferred account and earn up to 2% cash back on everyday expenses such as gas, groceries, and dining. (207 words) - [Stay connected to your money with the Upgrade Mobile App | Upgrade](/content/mobile-app/index.html): Manage your money with the Upgrade Mobile App. Check your balance, pay bills, transfer money, and track your credit score. All your accounts through Upgrade in one mobile app. (355 words) - [Customer Financing Tool for Residential Pool Contractors | Upgrade](/content/home-improvement/pool-contractor/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (163 words) - [Our Bank Partnerships | Upgrade](/content/institutions/index.html): Learn more about opportunities to partner with Upgrade. We have a long pedigree in the marketplace lending space. (369 words) - [Customer Financing for Residential Contractors | Upgrade](/content/home-improvement/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (303 words) - [Careers at Upgrade | Phoenix Service Center | Upgrade](/content/careers/phoenix/index.html): Upgrade is looking for new members to join the Phoenix Service Center. Learn about careers and company culture at Upgrade. (88 words) - [Accessibility | Upgrade](/content/accessibility/index.html): Accessibility | Upgrade (497 words) - [Upgrade Shopping Program Terms of Service | Upgrade](/content/upgrade-shopping/terms-of-service/index.html): Upgrade Shopping Program Terms of Service (759 words) - [Upgrade Auto | Auto financing through Upgrade | Upgrade](/content/auto-finance/index.html): Upgrade offers affordable monthly payment with low fixed rates. Customers can make payments and manage their account from anywhere with our online dashboard or the Upgrade App. (505 words) - [Personal loans for vacation expenses | Upgrade](/content/personal-loans/major-purchase/vacation/index.html): Get a personal loan for vacation expenses up to $50,000 through Upgrade. Low fixed rate, flexible terms, fast funding. Check your rate in minutes with no credit score impact. (301 words) - [Flex Pay Lenders | Upgrade](/content/flex-pay/lenders/index.html): Loans made through Flex Pay by Upgrade are offered by Flex Pay's lending partners. (66 words) - [Myles Reaz | Upgrade](/content/team/myles-reaz/index.html): Myles Reaz is Upgrade's Chief Credit Officer, responsible for Upgrade's credit risk program oversight and activities. (194 words) - [Adam Ajlouni | Upgrade](/content/team/adam-ajlouni/index.html): Adam Ajlouni is Upgrade’s General Counsel. Adam manages Upgrade’s legal team and advises Upgrade’s management on the company’s corporate transactions, internal governance, commercial agreements and legal risk management. (196 words) - [Sudip Lahiri | Upgrade](/content/team/sudip-lahiri/index.html): As Upgrade’s Chief Accounting Officer, Sudip is responsible for the overall control function including closing and reporting, transaction advisory, accounting policies, SOX and governance, financial systems, general ledger, and income tax. (290 words) - [Customer Financing for Residential Bathroom Remodelers | Upgrade](/content/home-improvement/bathroom-contractor/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (157 words) - [Financing Tool for Residential HVAC Professionals | Upgrade](/content/home-improvement/hvac-contractor/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (142 words) - [Belonging | Upgrade](/content/careers/belonging/index.html): Belonging. We’re building a company where everyone is welcome. A company where you can be yourself. A place where people help and empower each other. Come build it with us. (245 words) - [Upgrade Auto | RevUp Rewards Frequently Asked Questions | Upgrade](/content/rev-up/faq/index.html): Frequently asked questions for RevUp Rewards (939 words) - [Find the product that's right for you | Upgrade](/content/products/explore/index.html): Check your rate for a fixed-rate personal loan. See if you have an Upgrade Card offer with no credit score impact. Check out Rewards Checking Preferred with cash back rewards or get started with a Premier Savings account. (101 words) - [Doing Business As | Upgrade](/content/dba/index.html): Upgrade, Inc. may operate under the following DBAs. (325 words) - [Meyer "Micky" Malka | Upgrade](/content/board/meyer-micky-malka/index.html): Meyer “Micky” Malka is the founder of Ribbit Capital, a venture capital firm targeting early-stage companies that use technology to innovate financial services worldwide. (250 words) - [Dr. Joseph L. Breeden | Upgrade](/content/board/dr-joseph-l-breeden/index.html): Dr. Breeden has been designing and deploying risk management systems for loan portfolios since 1996. His expertise includes scoring, forecasting, stress testing, and economic capital models. (235 words) - [Auto Financing | Upgrade](/content/auto-finance-dealer/index.html): Join our dealer network. Upgrade combines fast, automated decisions with flexibility to finance complex deals. Connect with sales to start offering Auto Financing through Upgrade at your dealership. (509 words) - [Upgrade Card | Activate your new Upgrade Card | Upgrade](/content/upgrade-card/my-card/index.html): Upgrade Card | Activate your new Upgrade Card today (9 words) - [Mark Ortiz | Upgrade](/content/board/mark-ortiz/index.html): Mark Ortiz is a finance executive with more than 28 years of progressive advancement and diverse experience under the GE umbrella. (221 words) - [Upgrade Home Improvement Zintex Case Study | Upgrade](/content/home-improvement/case-studies/zintex/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (175 words) - [Anju Patwardhan | Upgrade](/content/board/anju-patwardhan/index.html): Anju Patwardhan is a globally experienced Fintech venture investor, board director, and bank executive. She has lived and worked in Singapore, San Francisco, and India. (325 words) - [Rewards Checking Accounts | Upgrade](/content/activate/index.html): No-fee checking account with 2% cash back on common everyday expenses. Sign up in minutes today. (27 words) - [Debt Consolidation Loans | Upgrade](/content/personal-loans/debt-consolidation/index.html): Use a debt consolidation loan to streamline your monthly payments and pay off your high-interest debt. Check your rate in just minutes and get on your way to achieving your financial goals. (792 words) - [Upgrade Card – See if you’re pre-approved | Upgrade](/content/upgrade-card/see-if-youre-preapproved/index.html): See if you’re pre-approved for Upgrade Card in seconds with no impact to your credit score! (186 words) - [Jeff Bogan | Upgrade](/content/team/jeff-bogan/index.html): As Upgrade’s CFO, Jeff is focused on building the finance, human resources, and real estate functions to support the company’s growth. (191 words) - [Upgrade Home Improvement Brian Gottlieb Case Study | Upgrade](/content/home-improvement/case-studies/gottlieb/index.html): Upgrade helps residential contractors win more jobs by offering customers financing options. Select rate plans, get customer loan approval in minutes, and track projects in a single dashboard. (183 words) - [Carnival Disclosure | Flex Pay by Upgrade | Upgrade](/content/flex-pay/carnival-disclosure/index.html) (117 words) - [Personal Loans up to $50,000 | Upgrade](/content/personal-loans/index.html): Get a personal loan up to $50,000 with low, fixed rates through Upgrade. Check your rate in minutes with no credit score impact. Fast funding, no collateral required. (579 words) - [Upgrade Card | Thanks for activating your offer | Upgrade](/content/upgrade-card/thank-you/index.html): Thanks for activating your offer. (15 words) - [Visar Nimani | Upgrade](/content/team/visar-nimani/index.html): As Upgrade’s Chief Information Officer, Visar is responsible for the company’s technology. (172 words) - [Adelina Grozdanova | Upgrade](/content/team/adelina-grozdanova/index.html): Adelina is the Head of the Investor Group at Upgrade, responsible for Upgrade’s investor relationships and capital markets. (164 words) - [Thomas Curran | Upgrade](/content/team/thomas-curran/index.html): Tom Curran is Chief Risk Officer and Chief Compliance Officer at Upgrade, where he is responsible for Upgrade’s compliance management system (“CMS”) including its compliance program, operational risk, business continuity, and vendor management. (199 words) - [Rewards Checking Accounts | Upgrade](/content/deposits/active-account/index.html): Learn how to qualify for a variety of benefits for your Rewards Checking Plus or Performance Savings account by meeting the Active Account eligibility requirements. (248 words) - [Matt Wierman | Upgrade](/content/team/matt-wierman/index.html): As the Head of Cards and Loans, Matt manages all aspects of product, design, marketing, underwriting, operations and collections. (158 words) - [Peter Sterling | Upgrade](/content/board/peter-sterling/index.html): Peter Sterling, Managing Director, is the Head and Founding member of Neuberger’s Specialty Finance platform and a member of its Investment Committee. (268 words) - [Boost Money™ Eligibility | Upgrade](/content/boost-money/eligibility/index.html): Learn how to qualify for Boost Money™ by meeting the eligibility requirements. (418 words) - [Chris Gottschalk | Upgrade](/content/board/chris-gottschalk/index.html): Chris is a General Partner with Mouro Capital, he is based in San Francisco. Chris represents Mouro on the boards of Blueprint Title, Trulioo and Upgrade. (188 words) - [Joseph F. Huber | Upgrade](/content/board/joseph-f-huber/index.html): Joseph F. Huber recently retired as Senior Advisor to UBS and Credit Suisse where he was a member of the Pension Investment Committee, Direct Equity Partners Investment Committee, and Chairman of the Employees' Investment Committee. (205 words) - [Personal Loans with low, fixed rates from Upgrade | Upgrade](/content/personal-loans/check-rate/index.html): Check your rate online for a personal loan with low fixed rates, affordable monthly payments, and no prepayment penalties. (49 words) - [Flex Pay Product Names | Upgrade](/content/flex-pay/products/index.html): Flex Pay may also be offered under the following names: Epic FlexPay Powered by Upgrade, Pay Monthly, Financing Powered by Flex Pay. (36 words) - [Auto Financing | Upgrade](/content/auto-finance-dealer-submitted/index.html): Join our dealer network. Upgrade combines fast, automated decisions with flexibility to finance complex deals. Connect with sales to start offering Auto Financing through Upgrade at your dealership. (11 words) - [Upgrade Reviews | Online Personal Loans and Cards | Upgrade](/content/reviews/index.html): See what customers have to say about personal loans at Upgrade. Authentic reviews from real customers. Upgrade offers low fixed rate personal loans and credit monitoring tools. (174 words) - [credit-health/insights/stay-out-of-debt-for-good/index.html](/content/credit-health/insights/stay-out-of-debt-for-good/index.html) (184 words) - [Watch Webinars on Personal Loans, Cards, Fintech & More | Upgrade](/content/webinars/index.html): Learn more about opportunities to partner with Upgrade. We have a long pedigree in the marketplace lending space. (15 words) - [careers/benefits/index.html](/content/careers/benefits/index.html) (151 words) - [flex-pay/find-partners/index.html](/content/flex-pay/find-partners/index.html) (98 words) - [atm-network/index.html](/content/atm-network/index.html) (582 words) - [What Can Personal Loans Be Used For?](/content/credit-health/insights/personal-loan-use-cases/index.html): What can personal loans be used for? From debt consolidation to home repairs and major purchases, learn the best ways to use a personal loan and which uses are restricted. (621 words, Jun 11, 2026) - [What Can Personal Loans Be Used For?](/content/en-ca/credit-health/insights/personal-loan-use-cases/index.html): What can personal loans be used for? From debt consolidation to home repairs and major purchases, learn the best ways to use a personal loan and which uses are restricted. 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(863 words, Jun 11, 2026) - [What Happens If You Miss a Personal Loan Payment?](/content/en-ca/credit-health/insights/missed-personal-loan-payment/index.html): What happens if you miss a personal loan payment? Learn about late fees, credit score impact, and default timelines, plus what to do if you can't afford your payments. (852 words, Jun 11, 2026) - [Personal Loan vs. Payday Loan: What’s the Difference?](/content/credit-health/insights/personal-loan-vs-payday-loan/index.html): Personal loan vs. payday loan: Learn the key differences in cost, repayment, and credit impact. Discover why personal loans are often a safer, more affordable choice. (572 words, May 6, 2026) - [Personal Loan vs. Payday Loan: What’s the Difference?](/content/en-ca/credit-health/insights/personal-loan-vs-payday-loan/index.html): Personal loan vs. payday loan: Learn the key differences in cost, repayment, and credit impact. Discover why personal loans are often a safer, more affordable choice. (615 words, May 6, 2026) - [How Do Personal Loans Work? The Mechanics Every Borrower Should Understand](/content/credit-health/insights/how-personal-loans-work/index.html): How do personal loans work? From pre-qualification and origination fees to amortization and final payoff, learn the mechanics of borrowing before you apply. (881 words, May 6, 2026) - [How Do Personal Loans Work? The Mechanics Every Borrower Should Understand](/content/en-ca/credit-health/insights/how-personal-loans-work/index.html): How do personal loans work? From pre-qualification and origination fees to amortization and final payoff, learn the mechanics of borrowing before you apply. (1,096 words, May 6, 2026) - [Personal Loan vs. Home Equity Loan: Which is Better for Homeowners?](/content/en-ca/credit-health/insights/personal-loan-vs-home-equity-loan/index.html): Personal loan vs. home equity loan: Which is better for your goals? 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(704 words, May 6, 2026) - [Personal Loan vs. Line of Credit: Which Is Right for You?](/content/en-ca/credit-health/insights/personal-loan-vs-line-of-credit/index.html): Personal loan vs. line of credit: Which should you choose? Compare the pros and cons of lump-sum funding versus revolving credit to find the best fit for your goals. (704 words, May 6, 2026) - [How Much Can You Borrow With a Personal Loan?](/content/credit-health/insights/how-much-can-you-borrow-with-personal-loan/index.html): How much can you borrow with a personal loan? Learn about typical loan limits, how credit scores and income affect your offer, and how to calculate the right amount for your needs. (658 words, Apr 23, 2026) - [How Much Can You Borrow With a Personal Loan?](/content/en-ca/credit-health/insights/how-much-can-you-borrow-with-personal-loan/index.html): How much can you borrow with a personal loan? Learn about typical loan limits, how credit scores and income affect your offer, and how to calculate the right amount for your needs. (616 words, Apr 23, 2026) - [How Personal Loan Interest Is Calculated](/content/credit-health/insights/how-loan-interest-works/index.html): How is personal loan interest calculated? Learn about simple interest, amortization, and how daily interest accrual affects your monthly payments and total costs. (627 words, Apr 23, 2026) - [How Personal Loan Interest Is Calculated](/content/en-ca/credit-health/insights/how-loan-interest-works/index.html): How is personal loan interest calculated? Learn about simple interest, amortization, and how daily interest accrual affects your monthly payments and total costs. (666 words, Apr 23, 2026) - [Personal Loan Fees Explained: Understanding the Cost of Borrowing](/content/credit-health/insights/personal-loan-fees-explained/index.html): Personal loan fees explained. Learn about origination fees, late charges, and why APR is the best way to compare the total cost of your loan options. (589 words, Apr 23, 2026) - [Personal Loan Fees Explained: Understanding the Cost of Borrowing](/content/en-ca/credit-health/insights/personal-loan-fees-explained/index.html): Personal loan fees explained. Learn about origination fees, late charges, and why APR is the best way to compare the total cost of your loan options. (592 words, Apr 23, 2026) - [Why Personal Loan Applications Get Rejected (and How to Fix It)](/content/credit-health/insights/why-personal-loan-applications-get-rejected-and-how-to-fix-it.html): Why was your personal loan rejected? Discover the common reasons for loan denial, from high DTI ratios to credit history, and learn how to improve your chances for next time. (642 words, Apr 23, 2026) - [Why Personal Loan Applications Get Rejected (and How to Fix It)](/content/en-ca/credit-health/insights/why-personal-loan-applications-get-rejected-and-how-to-fix-it.html): Why was your personal loan rejected? Discover the common reasons for loan denial, from high DTI ratios to credit history, and learn how to improve your chances for next time. (643 words, Apr 23, 2026) - [Personal Loan Requirements: What You Need to Qualify](/content/credit-health/insights/personal-loan-requirements/index.html): Personal loan requirements can vary slightly between lenders, but most follow a general set of requirements to assess your eligibility and creditworthiness. (680 words, Apr 23, 2026) - [Personal Loan Requirements: What You Need to Qualify](/content/en-ca/credit-health/insights/personal-loan-requirements/index.html): Personal loan requirements can vary slightly between lenders, but most follow a general set of requirements to assess your eligibility and creditworthiness. (680 words, Apr 23, 2026) - [How to Use AI to Analyze Subscription Costs and Find Hidden Waste](/content/credit-health/insights/how-to-use-ai-to-analyze-subscription-costs/index.html): Stop paying for what you don't use. Learn how to use AI tools to scan your statements, find "hidden" subscriptions, and put money back in your pocket today. (784 words, Apr 22, 2026) - [How to Use AI to Analyze Subscription Costs and Find Hidden Waste](/content/en-ca/credit-health/insights/how-to-use-ai-to-analyze-subscription-costs/index.html): Stop paying for what you don't use. Learn how to use AI tools to scan your statements, find "hidden" subscriptions, and put money back in your pocket today. (779 words, Apr 22, 2026) - [How to Use AI to Automate Your Savings Plan](/content/credit-health/insights/how-to-use-ai-to-automate-your-savings-plan/index.html): Build financial stability with ease. Use AI to create an automated savings plan, track your goals, and manage your Upgrade accounts for a stress-free future. (784 words, Apr 22, 2026) - [How to Use AI to Automate Your Savings Plan](/content/en-ca/credit-health/insights/how-to-use-ai-to-automate-your-savings-plan/index.html): Build financial stability with ease. Use AI to create an automated savings plan, track your goals, and manage your Upgrade accounts for a stress-free future. (787 words, Apr 22, 2026) - [Using AI to Build and Maintain a Monthly Budget](/content/credit-health/insights/using-ai-to-build-a-monthly-budget/index.html): Simplify your finances with AI-powered budgeting. See how to automatically categorize transactions, identify savings, and manage your Upgrade accounts with ease. (922 words, Apr 22, 2026) - [Using AI to Build and Maintain a Monthly Budget](/content/en-ca/credit-health/insights/using-ai-to-build-a-monthly-budget/index.html): Simplify your finances with AI-powered budgeting. See how to automatically categorize transactions, identify savings, and manage your Upgrade accounts with ease. (928 words, Apr 22, 2026) - [[Contractors Only] Upgrade Home Improvement Marketing Disclosures - Help Center](/content/help/home-improvement/contractors/marketing-disclosures/index.html): Upgrade Home Improvement Terms & Conditions Last Updated: May 13th, 2026 Loans are subject to credit approval. Home Improvement Loans offered through Upgrade... (837 words, Mar 17, 2026) - [Can You Get a Personal Loan With a Cosigner?](/content/credit-health/insights/personal-loans-with-cosigner/index.html): Can you have a cosigner on a personal loan? Learn how a cosigner can help you qualify for better rates and how to apply for personal loans with a cosigner today. (734 words, Mar 11, 2026) - [Can You Get a Personal Loan With a Cosigner?](/content/credit-health/insights/personal-loans/personal-loans-with-cosigner/index.html): Can you have a cosigner on a personal loan? Learn how a cosigner can help you qualify for better rates and how to apply for personal loans with a cosigner today. (537 words, Mar 11, 2026) - [Can You Get a Personal Loan With a Cosigner?](/content/en-ca/credit-health/insights/personal-loans-with-cosigner/index.html): Can you have a cosigner on a personal loan? Learn how a cosigner can help you qualify for better rates and how to apply for personal loans with a cosigner today. (537 words, Mar 11, 2026) - [Co-Borrower vs. Cosigner: What's the Difference?](/content/credit-health/insights/co-borrower-vs-cosigner/index.html): Co-borrower vs. cosigner: What’s the difference? Explore the legal responsibilities and access to funds for each role to choose the right path for your loan application. (438 words, Mar 11, 2026) - [Co-Borrower vs. Cosigner: What's the Difference?](/content/credit-health/insights/personal-loans/co-borrower-vs-cosigner/index.html): Co-borrower vs. cosigner: What’s the difference? Explore the legal responsibilities and access to funds for each role to choose the right path for your loan application. (635 words, Mar 11, 2026) - [Co-Borrower vs. Cosigner: What's the Difference?](/content/en-ca/credit-health/insights/co-borrower-vs-cosigner/index.html): Co-borrower vs. cosigner: What’s the difference? Explore the legal responsibilities and access to funds for each role to choose the right path for your loan application. (630 words, Mar 11, 2026) - [700 Credit Score: Is It Good or Bad?](/content/credit-health/insights/700-credit-score/index.html): Is a 700 credit score good? Learn what a 700 FICO score means for your credit report and how it helps you qualify for personal loans with competitive fixed rates. (814 words, Mar 11, 2026) - [700 Credit Score: Is It Good or Bad?](/content/en-ca/credit-health/insights/700-credit-score/index.html): Is a 700 credit score good? Learn what a 700 FICO score means for your credit report and how it helps you qualify for personal loans with competitive fixed rates. (809 words, Mar 11, 2026) - [How Many Personal Loans Can You Take Out?](/content/credit-health/insights/multiple-personal-loans/index.html): How many personal loans can you have at once? Learn about debt-to-income limits, applying for multiple loans, and how to manage several loan accounts effectively. (793 words, Mar 11, 2026) - [How Many Personal Loans Can You Take Out?](/content/en-ca/credit-health/insights/multiple-personal-loans/index.html): How many personal loans can you have at once? Learn about debt-to-income limits, applying for multiple loans, and how to manage several loan accounts effectively. (802 words, Mar 11, 2026) - [Personal Loan Duration Explained: How Long Can You Get a Personal Loan For?](/content/credit-health/insights/personal-loan-term-length/index.html): How long are personal loans? Discover common personal loan terms and learn how to choose a loan length that balances low monthly payments with total interest savings. (538 words, Mar 11, 2026) - [Personal Loan Duration Explained: How Long Can You Get a Personal Loan For?](/content/en-ca/credit-health/insights/personal-loan-term-length/index.html): How long are personal loans? Discover common personal loan terms and learn how to choose a loan length that balances low monthly payments with total interest savings. (703 words, Mar 11, 2026) - [Paying Off Your Personal Loan Early: What You Need to Know](/content/credit-health/insights/personal-loans-early-payoff/index.html): Can you pay off a personal loan early? Learn how to close a loan faster and save on interest without prepayment penalties. See if early repayment is right for you. (707 words, Mar 11, 2026) - [Paying Off Your Personal Loan Early: What You Need to Know](/content/credit-health/insights/personal-loans/personal-loans-early-payoff/index.html): Can you pay off a personal loan early? Learn how to close a loan faster and save on interest without prepayment penalties. See if early repayment is right for you. (707 words, Mar 11, 2026) - [Paying Off Your Personal Loan Early: What You Need to Know](/content/en-ca/credit-health/insights/personal-loans-early-payoff/index.html): Can you pay off a personal loan early? Learn how to close a loan faster and save on interest without prepayment penalties. See if early repayment is right for you. (712 words, Mar 11, 2026) - [Upgrade OneCard Triple Cash Back Rewards (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/upgrade-onecard-triple-cash-back-rewards-url/index.html): You will accrue cash back rewards when you pay eligible purchases back. Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them... (920 words, Feb 11, 2026) - [Upgrade OneCard 2% / 1% Cash Back Rewards (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/upgrade-onecard-2-1-cash-back-rewards-url/index.html): You will accrue cash back rewards when you pay eligible purchases back. To get 2% cash back on your Upgrade OneCard, you must open a Rewards Checking Preferr... (431 words, Feb 11, 2026) - [Upgrade OneCard 2% / 1.5% Cash Back Rewards (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/upgrade-onecard-2-1-5-cash-back-rewards-url/index.html): You will accrue cash back rewards when you pay eligible purchases back. To get 2% cash back on your Upgrade OneCard, you must open a Rewards Checking Preferr... (431 words, Feb 11, 2026) - [Upgrade OneCard with Secured Account (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard-with-secured-account/upgrade-onecard-secured-card-url/index.html): Rates, Fees and Terms Credit Lines for the Upgrade OneCard with Secured Account feature an Annual Percentage Rate (APR) of 19.99% based on creditworthiness.... (1,364 words, Feb 11, 2026) - [Refinance Your Auto Loan: When, Why, and How to Do It](/content/credit-health/insights/refinance-your-auto-loan-when-why-and-how-to-do-it/index.html): Everything you need to know about refinancing an auto loan, including how auto refi through Upgrade works. (1,054 words, Feb 6, 2026) - [Refinance Your Auto Loan: When, Why, and How to Do It](/content/en-ca/credit-health/insights/refinance-your-auto-loan-when-why-and-how-to-do-it/index.html): Everything you need to know about refinancing an auto loan, including how auto refi through Upgrade works. (929 words, Feb 6, 2026) - [Comparing Auto Loan Interest Rates and Lenders: A Guide to Shopping Around](/content/credit-health/insights/comparing-auto-loan-interest-rates-and-lenders-a-guide-to-shopping-around.html): Learn how to compare auto loan rates and lenders. Find the best APR, understand fees, and make the right choice for your money. (804 words, Feb 6, 2026) - [Comparing Auto Loan Interest Rates and Lenders: A Guide to Shopping Around](/content/en-ca/credit-health/insights/comparing-auto-loan-interest-rates-and-lenders-a-guide-to-shopping-around.html): Learn how to compare auto loan rates and lenders. Find the best APR, understand fees, and make the right choice for your money. (804 words, Feb 6, 2026) - [Understanding Credit Scores & Auto Loan Rates](/content/credit-health/insights/understanding-credit-scores-and-auto-loan-rates/index.html): How does your credit score affect your car payment? Learn the link between credit tiers and auto loan rates to potentially save on your next vehicle. (952 words, Feb 6, 2026) - [Understanding Credit Scores & Auto Loan Rates](/content/en-ca/credit-health/insights/understanding-credit-scores-and-auto-loan-rates/index.html): How does your credit score affect your car payment? Learn the link between credit tiers and auto loan rates to potentially save on your next vehicle. (997 words, Feb 6, 2026) - [How can I make a deposit to my checking or savings account? - Help Center](/content/help/deposit-checking-savings/deposit/how-can-i-make-a-deposit-to-my-checking-or-savings-account.html): There are several convenient and easy ways to deposit money into your checking or savings account. Pick the option that works best for you! Important to know... (329 words, Dec 24, 2025) - [ What you need to know about Upgrade and Flex Pay. - Help Center](/content/help/about-upgrade/overview/what-you-need-to-know-about-upgrade-and-flex-pay/index.html): Flex Pay - formerly Uplift - is now part of the Upgrade product family. As you may notice Flex Pay and Upgrade appearing more frequently together in your com... (203 words, Dec 2, 2025) - [ Do I need to continue making payments if I live in a FEMA-declared disaster area? - Help Center](/content/help/privacy-security/overview/do-i-need-to-continue-making-payments-if-i-live-in-a-fema-declared-disaster-area.html): Your safety and well-being are our top priorities. We understand that during times of disaster, managing finances may feel like a distant concern. Please kno... (248 words, Dec 2, 2025) - [ Why did I receive a Flex Pay refund via Zelle? - Help Center](/content/help/account-management-payments/payments-billing/why-did-i-receive-a-flex-pay-refund-via-zelle/index.html): We know receiving a refund through Zelle might seem unexpected, so here’s a quick rundown of why it happened and what it means for you. Whenever possible, we... (225 words, Dec 2, 2025) - [How can I contact Upgrade? - Help Center](/content/help/about-upgrade/overview/how-can-i-contact-upgrade/index.html): Account Dashboard Access your Account Dashboard to manage your application or existing account. Device Link Web browser https://www.upgrade.com/portal/login/... (384 words, Nov 25, 2025) - [What happens to my points if I need to cancel a deal? - Help Center](/content/help/auto-finance/revup-program/what-happens-to-my-points-if-i-need-to-cancel-a-deal.html): If a deal is canceled, the points awarded for the sale will be subtracted from your total, which could result in a negative points balance. (37 words, Nov 25, 2025) - [How do I calculate my efficiency rate? - Help Center](/content/help/auto-finance/revup-program/how-do-i-calculate-my-efficiency-rate/index.html): Your efficiency rate will be calculated by taking the total credit applications divided by your issued applications . For example, if your dealership submits... (45 words, Nov 25, 2025) - [How does my dealership earn and redeem rewards? - Help Center](/content/help/auto-finance/revup-program/how-does-my-dealership-earn-and-redeem-rewards/index.html): Once your account is set up, your dealership will move between reward tiers based on quarterly sales performance. Reward tiers are determined by the number o... (57 words, Nov 25, 2025) - [How do I enroll into the Rev Up loyalty program? - Help Center](/content/help/auto-finance/revup-program/how-do-i-enroll-into-the-rev-up-loyalty-program/index.html): You will be automatically enrolled into the RevUp loyalty program using the name and email address of the dealer owner we have on file. Your dealership begin... (69 words, Nov 25, 2025) - [What is the Rev Up program? - Help Center](/content/help/auto-finance/revup-program/what-is-the-rev-up-program/index.html): RevUp is an incentive program that allows dealerships to earn reward points for every successfully funded application. The points that are earned can be exch... (106 words, Nov 25, 2025) - [Uplift, Inc. - State Licenses and Consumer Information - Help Center](/content/help/upgrade-inc-state-licenses-and-consumer-information/state-licenses-and-consumer-information/uplift-inc-state-licenses-and-consumer-information/index.html): Uplift, Inc. ( NMLS #1897458 ) holds the licenses listed in the table below. Please refer to the NMLS Consumer Access website for additional information on o... (886 words, Nov 25, 2025) - [What about roadside assistance? - Help Center](/content/help/boost-money/boost-money-premium/what-about-roadside-assistance/index.html): With Premium, you get access to Roadside Dispatch® , a pay-per-use program available 24/7 in the U.S. Services like towing (up to 5 miles), tire changing, ju... (62 words, Nov 25, 2025) - [Do I get identity theft protection with Premium? - Help Center](/content/help/boost-money/boost-money-premium/do-i-get-identity-theft-protection-with-premium/index.html): Yes. You’re covered for up to $15,000 in expenses related to restoring your identity if you’re a victim of identity theft. This includes legal fees, lost wag... (146 words, Nov 25, 2025) - [Am I covered if my trip gets canceled or interrupted? - Help Center](/content/help/boost-money/boost-money-premium/am-i-covered-if-my-trip-gets-canceled-or-interrupted.html): If you paid with your Boost Money™ Card, you may be reimbursed up to $2,000 per insured person for the non-refundable common carrier ticket in the event your... (126 words, Nov 25, 2025) - [What if I want to return something and the store won’t take it back? - Help Center](/content/help/boost-money/boost-money-premium/what-if-i-want-to-return-something-and-the-store-won-t-take-it-back.html): Premium includes Return Protection . If you try to return an eligible item within 90 days but the store won’t accept it, you may be reimbursed up to $250 per... (200 words, Nov 25, 2025) - [How does Extended Warranty Protection work? - Help Center](/content/help/boost-money/boost-money-premium/how-does-extended-warranty-protection-work/index.html): When you buy an eligible item with your Boost Money™ Card, the manufacturer’s U.S. warranty is doubled up to 1 additional year (for warranties of 3 years or... (135 words, Nov 25, 2025) - [What purchase protections do I get with Premium? - Help Center](/content/help/boost-money/boost-money-premium/what-purchase-protections-do-i-get-with-premium/index.html): With Premium, your Boost Money™ Card comes with Purchase Security , which protects new purchases from theft or damage caused by covered events (like fire or... (151 words, Nov 25, 2025) - [Boost Money™ Premium Benefits FAQs - Help Center](/content/help/boost-money/boost-money-premium/boost-money-premium-benefits-faqs/index.html): What protection benefits do I get with Boost Money™ Premium? Your Boost Money™ Premium subscription includes: Extended Warranty Protection – for eligible pur... (166 words, Nov 25, 2025) - [How do I redeem my Upgrade Card Rewards? - Help Center](/content/help/upgrade-cards/upgrade-card/how-do-i-redeem-my-upgrade-card-rewards/index.html): You can choose how to redeem your cash back. First, decide how much of your cash back you wish to redeem. You can apply it to your Upgrade Card balance as a... (189 words, Nov 25, 2025) - [When does the ACH Return Fee apply? - Help Center](/content/help/boost-money/boost-money-spend-faqs/when-does-the-ach-return-fee-apply/index.html): The fee applies when an ACH transfer initiated through the Boost Money™ app or website is returned for reasons such as insufficient funds or an invalid account. (34 words, Nov 25, 2025) - [When does my Premium for Boost Money™ subscription start and renew? - Help Center](/content/help/boost-money/boost-money-premium/when-does-my-premium-for-boost-money-subscription-start-and-renew.html): Your Premium subscription begins immediately upon enrollment, and renews monthly on the same date. For example, if you subscribe on the 10th of the month, yo... (71 words, Nov 25, 2025) - [How do I add my Boost Money™ Card to Apple Pay® or Google Wallet™? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-do-i-add-my-boost-money-card-to-apple-pay-or-google-wallet.html): Follow the instructions for Apple Pay and Google Wallet to add your Boost Money™ Card to the digital wallet of your choice so you can pay with your device at... (69 words, Nov 25, 2025) - [ACH Return Fee & Inactivity Fee - Help Center](/content/help/boost-money/boost-money-spend-faqs/ach-return-fee-inactivity-fee/index.html): ACH Return Fee What is the ACH Return Fee? The ACH Return Fee is a $6 charge that occurs when an inbound transfer, initiated through the Boost Money™ app or... (467 words, Nov 25, 2025) - [How can I initiate an outgoing wire transfer from my Boost Money™ Spend account? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-can-i-initiate-an-outgoing-wire-transfer-from-my-boost-money-spend-account.html): To initiate an outgoing wire transfer request: Access your account dashboard HERE . Navigate to the Transfer tab Select Wire Transfer Select the account you’... (81 words, Nov 25, 2025) - [What is Early Direct Deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/what-is-early-direct-deposit/index.html): Early direct deposit allows eligible customers who receive their paycheck through direct deposit access to their funds up to 2 days early. In order to take a... (137 words, Nov 25, 2025) - [How do I dispute an ACH transaction on my Boost Money™ Spend account? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-do-i-dispute-an-ach-transaction-on-my-boost-money-spend-account.html): If someone has transferred money from your account without your authorization or if your statement shows transfers that you did not make, please notify us as... (241 words, Nov 25, 2025) - [Can a deposit be canceled once it is submitted through Mobile Deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/can-a-deposit-be-canceled-once-it-is-submitted-through-mobile-deposit.html): Deposits may be canceled prior to 3pm Eastern Time on the business day the deposit will be processed_ . _ To cancel your deposit, please call us at (844) 319... (40 words, Nov 25, 2025) - [What should I do with my check after I deposit it using Mobile Deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/what-should-i-do-with-my-check-after-i-deposit-it-using-mobile-deposit.html): Please hold on to your original paper check for 60 days after submitting your check for deposit in case of any processing or audit issues. After this 60-day... (51 words, Nov 25, 2025) - [How do I successfully capture images of my check for Mobile Deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-do-i-successfully-capture-images-of-my-check-for-mobile-deposit.html): Prepare Check Make sure the transaction does not exceed your deposit limits. Detach the check from any check stub or cover letter Sign and endorse the back o... (101 words, Nov 25, 2025) - [What happens if my deposit exceeds my Check Deposit limits? - Help Center](/content/help/boost-money/boost-money-spend-faqs/what-happens-if-my-deposit-exceeds-my-mobile-deposit-limits.html): If your deposit exceeds your limits, an error message will appear and prevent you from completing the deposit. If you’re having trouble completing a deposit... (69 words, Nov 25, 2025) - [Where can I see my Mobile Deposit limits? - Help Center](/content/help/boost-money/boost-money-spend-faqs/where-can-i-see-my-mobile-deposit-limits/index.html): Select Deposit from the bottom menu on the Boost Money™ mobile app and then tap the Deposit Limits link. (27 words, Nov 25, 2025) - [Are there limits to deposits using Check Deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/are-there-limits-to-deposits-using-mobile-deposit/index.html): We may impose limits on your eligibility to use Check Deposit, the dollar amount or number of deposits you make or other limits in our sole discretion based... (122 words, Nov 25, 2025) - [How can I access the Mobile Deposit service? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-can-i-access-the-mobile-deposit-service/index.html): The Mobile Deposit service is available through the Boost Money™ mobile app. To download the Boost Money™ mobile app: iOS Android When using the Mobile Depos... (76 words, Nov 25, 2025) - [Are there any fees to use Mobile Deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/are-there-any-fees-to-use-mobile-deposit/index.html): No, we charge no fees for depositing a check using Mobile Deposit. (20 words, Nov 25, 2025) - [How will I be informed about my Mobile Deposit progress and any issues? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-will-i-be-informed-about-my-mobile-deposit-progress-and-any-issues.html): Once you've submitted the deposit, you'll immediately receive an email notification confirming that we've received your deposit request. You’ll also receive... (90 words, Nov 25, 2025) - [When will my check funds be available when using Mobile Deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/when-will-my-check-funds-be-available-when-using-mobile-deposit.html): If you deposit your check on a business day (weekdays excluding holidays) prior to 3pm Eastern Time , your deposit will be processed the same day and we will... (195 words, Nov 25, 2025) - [What types of checks are accepted with Mobile Deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/what-types-of-checks-are-accepted-with-mobile-deposit.html): Check Deposit accepts checks from U.S. financial institutions, in U.S. dollars. The following items are eligible for mobile deposit: Personal checks Business... (153 words, Nov 25, 2025) - [What is Mobile Deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/what-is-mobile-deposit/index.html): Mobile Deposit allows eligible accountholders to deposit eligible checks via the Boost Money™ mobile app by capturing check images in compliance with our req... (42 words, Nov 25, 2025) - [How do I set up direct deposit with my Boost Money™ Spend account? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-do-i-set-up-direct-deposit-with-my-boost-money-spend-account.html): Setting up direct deposit is easy. Start by signing into your account and clicking “Set Up Direct Deposit”. From here, you have two options: You can set up d... (85 words, Nov 25, 2025) - [How do I add money to my Boost Money™ Spend account? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-do-i-add-money-to-my-boost-money-spend-account/index.html): There are several ways to add money to your Boost Money™ Spend account! Direct Deposit The easiest way to fund your account is to set up direct deposit, and... (101 words, Nov 25, 2025) - [Do I receive statements for my Boost Money™ Spend account? - Help Center](/content/help/boost-money/boost-money-spend-faqs/do-i-receive-statements-for-my-boost-money-spend-account.html): Yes, statements are available a few days after the start of each month. Sign in to your Boost Money™ Spend account and scroll to the Statements section below... (42 words, Nov 25, 2025) - [How do I find my Boost Money™ Spend routing and account number? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-do-i-find-my-boost-money-spend-routing-and-account-number.html): Your account information, including your routing and account number, are accessible online. Simply log in to your Boost Money™ account and tap “Show Details”... (40 words, Nov 25, 2025) - [How do I open a Boost Money™ Spend account?* - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-do-i-open-an-boost-money-spend-account/index.html): Opening a Boost Money™ Spend account is easy and can be done completely online. Tell us a little bit about yourself so we can verify your identity. Set up di... (169 words, Nov 25, 2025) - [Does Boost Money™ Spend have a mobile app? - Help Center](/content/help/boost-money/boost-money-spend-faqs/does-boost-money-spend-have-a-mobile-app/index.html): Yes. Boost Money™ Spend customers can access their account on the go with Boost Money™ mobile app. The Boost Money™ mobile app supports Apple users with an i... (67 words, Nov 25, 2025) - [Is money deposited in my Boost Money™ Spend account FDIC insured? - Help Center](/content/help/boost-money/boost-money-spend-faqs/is-money-deposited-in-my-boost-money-spend-account-fdic-insured.html): Yes! Money in your Boost Money™ Spend account is FDIC-insured through Cross River Bank up to $250,000.* *Checking accounts are insured up to $250,000 in FDIC... (64 words, Nov 25, 2025) - [How do I access my money? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-do-i-access-my-money/index.html): Your Spend account serves as collateral for Boost Money™ Card, which you can use to make purchases and withdraw cash at over 55,000 fee-free ATMs. You can us... (118 words, Nov 25, 2025) - [How do I set up direct deposit? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-do-i-set-up-direct-deposit/index.html): Navigate to your Boost Money™ account dashboard, click “Deposit”, then “Direct Deposit”. Start by signing into your account and clicking “Set Up Direct Depos... (85 words, Nov 25, 2025) - [How does early paycheck work? - Help Center](/content/help/boost-money/boost-money-spend-faqs/how-does-early-paycheck-work/index.html): Customers who set up direct deposit can get paid up to two days early to pay bills, go shopping, or have a night out! In order to take advantage and access y... (144 words, Nov 25, 2025) - [Am I charged interest for BoostCash™? - Help Center](/content/help/boostcash/boostcash/am-i-charged-interest-for-boostcash/index.html): No, BoostCash™ is a 0% APR loan, there are no interest charges. Please visit the BoostCash™ page for full details. (26 words, Nov 25, 2025) - [What are some things that will disqualify me from getting BoostCash™? - Help Center](/content/help/boostcash/boostcash/what-are-some-things-that-will-disqualify-me-from-getting-boostcash.html): Please review our eligibility page for the full list of disqualifying factors. (23 words, Nov 25, 2025) - [Why am I no longer eligible for BoostCash™? - Help Center](/content/help/boostcash/boostcash/why-am-i-no-longer-eligible-for-boostcash/index.html): Eligibility can change for several reasons: You already have an outstanding BoostCash™ advance Your latest eligible direct deposit hasn’t arrived You switche... (104 words, Nov 25, 2025) - [I didn’t take my full BoostCash™ the first time. Can I still take a second BoostCash™ for my remaining amount? - Help Center](/content/help/boostcash/boostcash/i-didn-t-take-my-full-boostcash-the-first-time-can-i-still-take-a-second-boostcash-for-my-remaining-amount.html): At the moment, only one BoostCash™ advance is allowed per pay cycle. Please visit the BoostCash™ page for full details. (107 words, Nov 25, 2025) - [How do I view my BoostCash™ history? - Help Center](/content/help/boostcash/boostcash/how-do-i-view-my-boostcash-history/index.html): You can find your full BoostCash™ history in the BoostCash™ dashboard of your app. (21 words, Nov 25, 2025) - [Why is my expected direct deposit date incorrect, and how do I fix it? - Help Center](/content/help/boostcash/boostcash/why-is-my-expected-direct-deposit-date-incorrect-and-how-do-i-fix-it.html): This can happen due to early payroll processing or time zone differences. You have a chance to update your next expected deposit date when requesting BoostCa... (40 words, Nov 25, 2025) - [Why did my BoostCash™ fail? - Help Center](/content/help/boostcash/boostcash/why-did-my-boostcash-fail/index.html): There are several reasons an advance might not go through, like issues with the application processing or your account status. We’ll look into any failed tra... (44 words, Nov 25, 2025) - [How do I get BoostCash™ in minutes? - Help Center](/content/help/boostcash/boostcash/how-do-i-get-boostcash-in-minutes/index.html): Upgrade to Premium to unlock express delivery and other great benefits. Please visit the Premium Benefits page for full details. (27 words, Nov 25, 2025) - [When will I get my BoostCash™? Why is it taking so long? - Help Center](/content/help/boostcash/boostcash/when-will-i-get-my-boostcash-why-is-it-taking-so-long.html): Delivery speed depends on your chosen method to receive the funds and whether or not you’re a member. Premium members can get their cash in minutes, same-day... (94 words, Nov 25, 2025) - [Can I cancel my BoostCash™? - Help Center](/content/help/boostcash/boostcash/can-i-cancel-my-boostcash/index.html): Once BoostCash™ is sent to your account, it can’t be canceled. But if you no longer need the funds, just leave them in your account, and we’ll automatically... (48 words, Nov 25, 2025) - [Does BoostCash™ have late fees or penalties? - Help Center](/content/help/boostcash/boostcash/does-boostcash-have-late-fees-or-penalties/index.html): No, there are no late fees or penalties for BoostCash™. Please visit the BoostCash™ page for full details. (25 words, Nov 25, 2025) - [Can I change the due date of BoostCash™? - Help Center](/content/help/boostcash/boostcash/can-i-change-the-due-date-of-boostcash/index.html): Yes, you can edit your due date when requesting the advance based on when you expect your next eligible direct deposit. But once BoostCash™ is disbursed, the... (47 words, Nov 25, 2025) - [Can I pay BoostCash™ back early? - Help Center](/content/help/boostcash/boostcash/can-i-pay-boostcash-back-early/index.html): Not right now, repayment is automatically scheduled with your next expected eligible direct deposit. Please visit the BoostCash™ page for full details. (28 words, Nov 25, 2025) - [Why is my BoostCash™ advance lower than $500? - Help Center](/content/help/boostcash/boostcash/why-is-my-boostcash-lower-than-500/index.html): Your current limit is based on your eligible direct deposit amount(s) and payment history. Making on-time payments and having consistent, recurring eligible... (58 words, Nov 25, 2025) - [Does everyone qualify for $500 BoostCash™? - Help Center](/content/help/boostcash/boostcash/does-everyone-qualify-for-500-boostcash/index.html): No, your BoostCash™ limit typically starts at $20. Your limit may go up over time, depending on factors like the amount of your eligible direct deposit(s) an... (103 words, Nov 25, 2025) - [How is BoostCash™ repayment collected? - Help Center](/content/help/boostcash/boostcash/how-is-boostcash-repayment-collected/index.html): We’ll align your due date with your next expected paycheck. On that date, we automatically deduct your BoostCash™ repayment from the account you designate as... (64 words, Nov 25, 2025) - [How much does BoostCash™ cost? - Help Center](/content/help/boostcash/boostcash/how-much-does-boostcash-cost/index.html): You can get BoostCash™ advances in 3-5 business days at no additional cost. There’s no interest and no late fees. Or get a $9.99/month Premium subscription a... (54 words, Nov 25, 2025) - [How can I get a BoostCash™? - Help Center](/content/help/boostcash/boostcash/how-can-i-get-a-boostcash/index.html): After you sign up for Boost Money™, you’ll be prompted to verify your eligibility by either switching your direct deposit to your Boost Money™ Spend account... (131 words, Nov 25, 2025) - [What is BoostCash™? - Help Center](/content/help/boostcash/boostcash/what-is-boostcash/index.html): If you’re low on funds, BoostCash™ advances help you bridge the gap between paydays. Whether you need money for gas, groceries, emergencies, or bills - we’ve... (64 words, Nov 25, 2025) - [Where can I find more details about Premium terms and conditions? - Help Center](/content/help/boost-money/boost-money-premium/where-can-i-find-more-details-about-premium-terms-and-conditions.html): Full terms and conditions for Premium are available within the Boost Money™ mobile app, on our website wherever there is an option to subscribe, and will be... (46 words, Nov 25, 2025) - [What happens if I don't have enough funds in my account for the Premium payment? - Help Center](/content/help/boost-money/boost-money-premium/what-happens-if-i-don-t-have-enough-funds-in-my-account-for-the-premium-payment.html): If there are insufficient funds in your selected payment account to cover the monthly Premium fee, your subscription payment may fail. We will attempt to not... (96 words, Nov 25, 2025) - [Can I re-activate my subscription to Premium after canceling? - Help Center](/content/help/boost-money/boost-money-premium/can-i-re-activate-my-subscription-to-premium-after-canceling.html): Yes, you can re-activate Premium anytime through the Boost Money™ app or website. Navigate to the "My Subscriptions" section in your account settings to re-a... (46 words, Nov 25, 2025) - [Will I lose my card or checking account if I cancel Premium? - Help Center](/content/help/boost-money/boost-money-premium/will-i-lose-my-card-or-checking-account-if-i-cancel-premium.html): No. Canceling your Boost Money™ Premium subscription will not affect your Boost Money™ Card or your Boost Money™ Spend account. These will remain active, but... (50 words, Nov 25, 2025) - [How do I cancel my Premium subscription? - Help Center](/content/help/boost-money/boost-money-premium/how-do-i-cancel-my-premium-subscription/index.html): You can cancel your Premium subscription at any time directly through the Boost Money™ mobile app or website. Go to the "My Subscriptions" section in your ac... (60 words, Nov 25, 2025) - [How much does Premium for Boost Money™ cost? - Help Center](/content/help/boost-money/boost-money-premium/how-much-does-premium-for-boost-money-cost/index.html): Premium costs $9.99 per month . This fee will be automatically debited from your selected payment account each month on your subscription renewal date. (31 words, Nov 25, 2025) - [What features are included with Premium for Boost Money™? - Help Center](/content/help/boost-money/boost-money-premium/what-features-are-included-with-premium-for-boost/index.html): Premium offers several valuable benefits, including:* Higher Interest on Savings: Earn up to 10.00% APY on the funds held in your companion Boost Money™ Save... (567 words, Nov 25, 2025) - [How do I subscribe to Premium for Boost Money™? - Help Center](/content/help/boost-money/boost-money-premium/how-do-i-subscribe-to-premium-for-boost-money/index.html): You can subscribe to Boost Money™ Premium directly within the Boost Money™ mobile app or by logging into your account on our website and then following the p... (67 words, Nov 25, 2025) - [What is Premium for Boost Money™? - Help Center](/content/help/boost-money/boost-money-premium/what-is-premium-for-boost-money/index.html): Premium is an optional monthly subscription that unlocks enhanced features for your Boost Money™ Card and Boost Money™ Spend account. For just $9.99 a month... (452 words, Nov 25, 2025) - [Save Account Features and Benefits - Help Center](/content/help/boost-money/boost-money/save-account-features-and-benefits/index.html): The Boost Money™ Save account is an optional savings account. The standard account has an APY of 1.50%. The Premium subscription has an APY of 10.00% for the... (111 words, Nov 25, 2025) - [Opening Your Optional Boost Money™ Save Account - Help Center](/content/help/boost-money/boost-money/opening-your-optional-boost-money-save-account/index.html): The Save account is an optional savings account with Boost Money™. (18 words, Nov 25, 2025) - [How do I change my Boost Money™ Card ATM PIN? - Help Center](/content/help/boost-money/boost-money/how-do-i-change-my-boost-money-card-atm-pin/index.html): You can change your Boost Money™ Card PIN online by following these steps: Sign in to your Account Dashboard Select your Boost Money™ Card account Select Mor... (47 words, Nov 25, 2025) - [Can I use the Boost Money™ Card to withdraw funds at an ATM? - Help Center](/content/help/boost-money/boost-money/can-i-use-the-boost-money-card-to-withdraw-funds-at-an-atm.html): Yes. When you activate your Boost Money™ Card, you’ll be prompted to turn on ATM Access and set a PIN. You can update your ATM settings anytime in your Spend... (106 words, Nov 25, 2025) - [Can I make payments to my Boost Money™ Card from another bank account? - Help Center](/content/help/boost-money/boost-money/can-i-make-payments-to-my-boost-money-card-from-another-bank-account.html): Yes, by logging into your Upgrade account you can make one-time payments to your Boost Money™ Card balance from any linked bank account. (36 words, Nov 25, 2025) - [Do I have to use SafeMode? - Help Center](/content/help/boost-money/boost-money/do-i-have-to-use-safemode/index.html): SafeMode helps ensure you don’t miss a payment on your Boost Money™ Card. When it's turned on, we automatically pay off your card balance using your Spend ac... (61 words, Nov 25, 2025) - [What is SafeMode? - Help Center](/content/help/boost-money/boost-money/what-is-safemode/index.html): SafeMode helps ensure you don’t miss a payment on your Boost Money™ Card. When it's turned on, we automatically pay off your card balance using your Spend ac... (58 words, Nov 25, 2025) - [Is the Boost Money™ Card reported to the credit bureaus? - Help Center](/content/help/boost-money/boost-money/is-the-boost-money-card-reported-to-the-credit-bureaus.html): Yes. The Boost Money™ Card helps you build credit positively by reporting your payment history to the major credit bureaus when you make on-time payments*. (35 words, Nov 25, 2025) - [What is the credit limit of my Boost Money™ Card? - Help Center](/content/help/boost-money/boost-money/what-is-the-credit-limit-of-my-boost-money-card/index.html): Your Boost Money™ Card credit limit is based on how much you deposit in your Spend account, up to a maximum of $5,000.* (33 words, Nov 25, 2025) - [How does my Boost Money™ Card work with my Boost Money™ Spend account? - Help Center](/content/help/boost-money/boost-money/how-does-my-boost-money-card-work-with-my-boost-money-spend-account.html): When you deposit funds into your Boost Money™ Spend account, that sets the credit limit of your Boost Money™ Card, up to a limit of $5,000. If SafeMode is tu... (86 words, Nov 25, 2025) - [How long do I have to pay off my Boost Money™ Card purchases? - Help Center](/content/help/boost-money/boost-money/how-long-do-i-have-to-pay-off-my-boost-money-card-purchases.html): You must pay off your Boost Money™ Card balance in full each month. Your monthly statement will show the total amount due and the payment due date. (40 words, Nov 25, 2025) - [What is the Boost Money™ Card APR? - Help Center](/content/help/boost-money/boost-money/what-is-the-boost-money-card-apr/index.html): _The Boost Money™ Card APR is 0% on purchases.* You won’t be charged any interest on your Boost Money_™ Card purchases or ATM withdrawals. However, ATM fees... (44 words, Nov 25, 2025) - [How do I activate my Boost Money™ Card? - Help Center](/content/help/boost-money/boost-money/how-do-i-activate-my-boost-money-card/index.html): It’s quick and easy to activate your card. Just sign in to your Account Dashboard to activate it online and accept your Truth-in-Lending Disclosure, or call... (66 words, Nov 25, 2025) - [How long will it take to receive my Boost Money™ Card? - Help Center](/content/help/boost-money/boost-money/how-long-will-it-take-to-receive-my-boost-money-card.html): Please allow 7-10 business days from the time your application is approved to receive your card in the mail. (30 words, Nov 25, 2025) - [What is the Boost Money™ Card? - Help Center](/content/help/boost-money/boost-money/what-is-the-boost-money-card/index.html): The Boost Money™ Card is a secured card that is secured by the funds you deposit into your Boost Money™ Spend account balance. The Boost Money™ Card is desig... (318 words, Nov 25, 2025) - [How Your Spend Account Works as Card Collateral - Help Center](/content/help/boost-money/boost-money/how-your-spend-account-works-as-card-collateral/index.html): The available balance in the Spend account sets the credit limit for the Boost Money TM Card. As you spend up to the available balance, we’ll reserve funds u... (227 words, Nov 25, 2025) - [What is an Boost Money™ Spend account? - Help Center](/content/help/boost-money/boost-money/what-is-an-boost-money-spend-account/index.html): A Spend account is a checking account that the funds deposited also serve as collateral for the Boost Money™ Card. There’s no debit card for the Spend accoun... (61 words, Nov 25, 2025) - [Understanding Card Terms: 0% APR and Monthly Payments - Help Center](/content/help/boost-money/boost-money/understanding-card-terms-0-apr-and-monthly-payments.html): The Boost Money™ Card features 0% APR on purchases for a 1-month term with no interest.**** The full balance must be paid each month. **** The Boost Money™ C... (204 words, Nov 25, 2025) - [What's Free vs Paid - Help Center](/content/help/boost-money/boost-money/what-s-free-vs-paid/index.html): Boost MoneyTM and the associated accounts* are free to open and use, and it comes with an Boost MoneyTM Spend account and Boost MoneyTM Card. You can also op... (612 words, Nov 25, 2025) - [Boost Money™ Spend and Paired Boost Money™ Card - Help Center](/content/help/boost-money/boost-money/boost-money-spend-and-paired-boost-money-card/index.html): When you open Boost MoneyTM, you get an Boost MoneyTM Spend account and the Boost MoneyTM Card. The Boost Money TM Spend account does not have a debit card.... (79 words, Nov 25, 2025) - [Existing Upgrade Customers: How to Apply - Help Center](/content/help/boost-money/boost-money/existing-upgrade-customers-how-to-apply/index.html): Once signed into your account dashboard, navigate to the cash advance sign-up option. Select ‘sign up’ to fill out the application. (27 words, Nov 25, 2025) - [What Happens After Approval? - Help Center](/content/help/boost-money/boost-money/what-happens-after-approval/index.html): Once approved and your account opens, you'll be guided through additional features like setting up cash advances and subscription options. (24 words, Nov 25, 2025) - [How do you Apply for Boost Money™ accounts? - Help Center](/content/help/boost-money/boost-money/how-do-you-apply-for-boost-money-accounts/index.html): Navigate to the Upgrade website to apply for Boost Money™ accounts. (19 words, Nov 25, 2025) - [Who Should Use Boost Money™ accounts? - Help Center](/content/help/boost-money/boost-money/who-should-use-boost-money-accounts/index.html): Customers who are looking to help build their credit with responsible card use and who need access to cash advances at unexpected times. (131 words, Nov 25, 2025) - [What are the transfer limits on my Boost Money™ Spend account and optional Save account? - Help Center](/content/help/boost-money/boost-money/what-are-the-transfer-limits-on-my-boost-money-spend-account-and-optional-save-account.html): ACH transfers initiated through your account dashboard to or from an external account are subject to limits on the number of transfers (“Count Limits”) and l... (204 words, Nov 25, 2025) - [What is the interest rate on the Boost Money™ Save account? - Help Center](/content/help/boost-money/boost-money/what-is-the-interest-rate-on-the-boost-money-save-account.html): The Boost Money™ Save account is a variable rate account and the interest rate may change at any time. As of August 1, 2025, the Annual Percentage Yield (APY... (108 words, Nov 25, 2025) - [Upgrade Triple Cash Focus Card Details - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-triple-cash-focus-card-details/index.html): Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them back; purchases made outside of these categories do not accrue cash back... (916 words, Nov 25, 2025) - [Upgrade Life Rewards Focus Card Details - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-life-rewards-focus-card-details/index.html): Purchases in Gas, Grocery, Streaming, and Utilities categories accrue 3% cash back when you pay them back (excluding Target and Walmart). Purchases made outs... (652 words, Nov 25, 2025) - [How can I earn cash back with my Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking-preferred/how-can-i-earn-cash-back-with-my-rewards-checking-preferred-account.html): Active Rewards Checking Preferred Accounts accrue 2% cash back on common everyday expenses up to a maximum of $500 in rewards per calendar year. Some limitat... (165 words, Nov 25, 2025) - [Who can open a joint account? - Help Center](/content/help/deposit-checking-savings/rewards-checking-preferred/who-can-open-a-joint-account/index.html): Joint accounts are available to new Upgrade customers or existing Rewards Checking Preferred and Premier Savings customers. Additionally, joint accounts can... (74 words, Nov 25, 2025) - [How does early paycheck work? - Help Center](/content/help/deposit-checking-savings/rewards-checking-preferred/how-does-early-paycheck-work/index.html): Customers who set up direct deposit can get paid up to two days early to pay bills , go shopping, or have a night out ! In order to take advantage and access... (150 words, Nov 25, 2025) - [Why should I set up a direct deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking-preferred/why-should-i-set-up-a-direct-deposit/index.html): When you set up direct deposit, you are trusting your paycheck with us. Our aim is to repay that trust by offering you top tier rewards and account benefits.... (109 words, Nov 25, 2025) - [How do I set up direct deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking-preferred/how-do-i-set-up-direct-deposit/index.html): Checking Preferred account dashboard, click “Deposit”, then “Direct Deposit”. Start by signing into your account and clicking “Set Up Direct Deposit” From he... (82 words, Nov 25, 2025) - [How do I access my money? - Help Center](/content/help/deposit-checking-savings/rewards-checking-preferred/how-do-i-access-my-money/index.html): You can use your Upgrade Visa® Debit Card wherever Visa is accepted. It’s also easy to add your debit card to Apple Pay® so you can take advantage of contact... (150 words, Nov 25, 2025) - [Is money deposited in my Rewards Checking Preferred account FDIC insured? - Help Center](/content/help/deposit-checking-savings/rewards-checking-preferred/is-money-deposited-in-my-rewards-checking-preferred-account-fdic-insured.html): Yes! Money in your Rewards Checking Preferred account is FDIC-insured through Cross River Bank up to $250,000.* *Checking accounts are insured up to $250,000... (64 words, Nov 25, 2025) - [What is a Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking-preferred/what-is-a-rewards-checking-preferred-account/index.html): Rewards Checking Preferred accounts are an easy way to upgrade your checking account experience. You’ll get an online checking account with no monthly mainte... (154 words, Nov 25, 2025) - [Will my rewards and account benefits change if I receive a new debit card for my Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking-preferred/will-my-rewards-and-account-benefits-change-if-i-receive-a-new-debit-card-for-my-rewards-checking-preferred-account.html): No, your checking account benefits, including up to 2% cash back on purchases and other perks, remain the same. Rewards Checking Preferred customers who set... (123 words, Nov 25, 2025) - [What is Flex Pay? - Help Center](/content/help/flex-pay/overview/what-is-flex-pay/index.html): Flex Pay by Upgrade is formerly known as Uplift. Uplift, Inc. (NMLS #1897458), is a subsidiary of Upgrade that offers personalized and flexible payment optio... (140 words, Nov 25, 2025) - [How do I dispute an ACH transaction on my checking account? - Help Center](/content/help/deposit-checking-savings/deposit/how-do-i-dispute-an-ach-transaction-on-my-checking-account.html): If someone has transferred money from your account without your authorization or if your statement shows transfers that you did not make, please notify us as... (239 words, Nov 25, 2025) - [What is Upgrade Shopping? - Help Center](/content/help/upgrade-shopping/shopping-rewards/what-is-upgrade-shopping/index.html): Upgrade Shopping helps you save instantly at thousands of top brands. Enjoy exclusive discounts and special offers when you shop through Upgrade Shopping – n... (192 words, Nov 25, 2025) - [Auto Finance: How can I dispute information on my credit report if I believe it’s inaccurate or incomplete? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-how-can-i-dispute-information-on-my-credit-report-if-i-believe-it-s-inaccurate-or-incomplete.html): If you believe we reported incorrect or incomplete information about you to a credit bureau, write to us at Upgrade, 2 North Central Ave. Flr 10, Phoenix, AZ... (63 words, Nov 25, 2025) - [Auto Finance: How long does my auto loan information stay on my credit report? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-how-long-does-my-auto-loan-information-stay-on-my-credit-report.html): Credit reporting agencies (CRAs), like Equifax, Experian and TransUnion, decide when, how, and for how long the information furnished to the CRA will display... (157 words, Nov 25, 2025) - [Auto Finance: How do I change my payment due date? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-how-do-i-change-my-payment-due-date/index.html): Please see information on how to change your payment due date here . (187 words, Nov 25, 2025) - [Auto Finance: What payment methods are available to pay off my loan? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-what-payment-methods-are-available-to-pay-off-my-loan.html): You have the flexibility to make payments in a number of different ways. Set up autopay to make sure you never miss a payment and avoid late penalties. Login... (112 words, Nov 25, 2025) - [Auto Finance: Why should I enable autopay for my auto finance payments? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-why-should-i-enable-autopay-for-my-auto-finance-payments.html): Please see information on autopay here . (18 words, Nov 25, 2025) - [Auto Finance: Are there any fees associated with making a payment? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-are-there-any-fees-associated-with-making-a-payment.html): Please see information on late fees here . Additionally, if your payment is returned to us, a non-sufficient funds (NSF) fee may apply. (33 words, Nov 25, 2025) - [Auto Finance: Where can I find my auto financing payoff amount? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-where-can-i-find-my-auto-financing-payoff-amount.html): To check what your payoff amount is, please sign in and visit the “Manage Payments” section of your account. Click the “Payoff Quote” link and select the dat... (88 words, Nov 25, 2025) - [Auto Finance: How do I access my online account? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-how-do-i-access-my-online-account/index.html): If you’ve already set up your Upgrade account, simply sign into your online dashboard here . If you don’t have an account set up to manage your auto financin... (199 words, Nov 25, 2025) - [Auto Finance: I want to sell my car, but I have an outstanding balance. How can I get my title so I can give it to the buyer? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-i-want-to-sell-my-car-but-i-have-an-outstanding-balance-how-can-i-get-my-title-so-i-can-give-it-to-the-buyer.html): For your title to be released, the balance must be paid in full. Once the balance is paid in full, Upgrade will release the lien and transfer the title to th... (61 words, Nov 25, 2025) - [I have auto financing through Upgrade. How do I create an account? - Help Center](/content/help/personal-loan/auto-finance/i-have-auto-financing-through-upgrade-how-do-i-create-an-account.html): To create an account with Upgrade to manage your auto financing, you need to visit the unique login URL by scanning the QR code that was provided in your wel... (105 words, Nov 25, 2025) - [Auto Finance: I paid off my loan in the past, but I cannot find my title or lien release. What should I do? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-i-paid-off-my-loan-in-the-past-but-i-cannot-find-my-title-or-lien-release-what-should-i-do.html): To access your lien release, please contact us and provide the year, make, and VIN of your vehicle. We are, unfortunately, unable to provide new titles. If y... (102 words, Nov 25, 2025) - [What are Smart Transfer Tools? - Help Center](/content/help/deposit-checking-savings/deposit/what-are-smart-transfer-tools/index.html): Smart Transfer Tools makes managing your money easy with a suite of features designed to automate transfers. These tools are available for customers with bot... (56 words, Nov 25, 2025) - [Auto Finance: Where can I take my pre-qualification letter? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-where-can-i-take-my-pre-qualification-letter.html): You can take your pre-qualification letter to any dealership within Upgrade’s Participating Auto Dealer Partners network. Just let them know that you’re pre-... (71 words, Nov 25, 2025) - [Auto Finance: Will pre-qualification affect my credit score? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-will-pre-qualification-affect-my-credit-score.html): No, pre-qualification for auto financing through Upgrade is a soft pull and will not affect your credit score. However, if your application at the dealership... (70 words, Nov 25, 2025) - [Auto Finance: What is pre-qualification and how is it different from pre-approval? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-what-is-pre-qualification-and-how-is-it-different-from-pre-approval.html): Pre-qualification is different from pre-approval. Pre-qualification refers to an estimate of how much you may be able to spend based on the information you p... (56 words, Nov 25, 2025) - [Auto Finance: I don’t see the option to pre-qualify for auto financing through Upgrade. Am I not able to pre-qualify? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-i-don-t-see-the-option-to-pre-qualify-for-auto-financing-through-upgrade-am-i-not-able-to-pre-qualify.html): Not everyone may be eligible to pre-qualify for auto financing through Upgrade. This may be due to location, previous or existing Upgrade credit usage and hi... (70 words, Nov 25, 2025) - [Auto Finance: I’ve been pre-qualified for auto financing with Upgrade. What’s next? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-i-ve-been-pre-qualified-for-auto-financing-with-upgrade-what-s-next.html): Once you’ve pre-qualified for auto financing with Upgrade, present your pre-qualification letter to any of our participating dealerships and let them know yo... (96 words, Nov 25, 2025) - [How do I protect myself from scams? - Help Center](/content/help/privacy-security/overview/how-do-i-protect-myself-from-scams/index.html): Protecting your personal information is very important to us. In this article, we’ve outlined some of the most common signs of a scam and a few actions you c... (1,164 words, Nov 25, 2025) - [Who is The Bancorp Bank, N.A.? - Help Center](/content/help/about-upgrade/overview/who-is-the-bancorp-bank-n-a/index.html): The Bancorp Bank, N.A. issues Upgrade Visa® Cards that allow access to personal credit lines, pursuant to a license from Visa USA Inc. (29 words, Nov 25, 2025) - [Auto Finance: What do I need to do if my auto insurance has expired, renewed, or changed? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-what-do-i-need-to-do-if-my-auto-insurance-has-expired-renewed-or-changed.html): If your insurance has expired, renewed, or changed, please email us the latest copy of your insurance card or policy documents to insuranceclaims@upgrade.com . (40 words, Nov 25, 2025) - [How do I cancel an EarlyPay payment? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-cancel-an-earlypay-payment/index.html): You can cancel an EarlyPay auto-payment up to 2 calendar days before the scheduled payment date. Sign in to your Account Dashboard, go to Manage Payments, an... (63 words, Nov 25, 2025) - [How do I set up automated EarlyPay payments? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-set-up-automated-earlypay-payments/index.html): EarlyPay is a repayment option offered with certain Upgrade Cards. To set up EarlyPay automatic payments: Sign in to your Account Dashboard Navigate to Manag... (66 words, Nov 25, 2025) - [What is the difference between my Statement Close Date and my Monthly Payment Date? - Help Center](/content/help/account-management-payments/payments-billing/what-is-the-difference-between-my-statement-close-date-and-my-monthly-payment-date.html): Your Upgrade Card account follows a monthly statement cycle. The Statement Close Date marks the end of that cycle. Your Monthly Payment Date is 22 days after... (53 words, Nov 25, 2025) - [What is EarlyPay? - Help Center](/content/help/account-management-payments/payments-billing/what-is-earlypay/index.html): EarlyPay is a repayment option offered with certain Upgrade Cards. With EarlyPay, if you pay off your statement balance in full by the EarlyPay payment date,... (171 words, Nov 25, 2025) - [Premier Savings Details - Help Center](/content/help/deposit-checking-savings/premier-savings/premier-savings-details/index.html): Premier Savings accounts* offer a number of top tier benefits, including: Exceptional 3.05% APY1 on balances of $1,000 or more No monthly maintenance fees or... (441 words, Nov 25, 2025) - [What is the Upgrade OneCard with Secured Account? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard-with-secured-account/what-is-the-upgrade-onecard-with-secured-account/index.html): The Upgrade One with Secured Card Account gives users all the benefits of Upgrade OneCard: great cash back rewards and the flexibility to Pay Now with no int... (210 words, Nov 25, 2025) - [Auto Finance: Do I need to continue making payments if my insurance company says my vehicle is a total loss? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-do-i-need-to-continue-making-payments-if-my-insurance-company-says-my-vehicle-is-a-total-loss.html): Yes, you remain responsible for your payments until the retail installment sales contract or auto financing is paid in full. Any missed or partial payment ma... (52 words, Nov 25, 2025) - [Auto Finance: I was involved in an accident and my vehicle has been deemed a total loss. What should I do? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-i-was-involved-in-an-accident-and-my-vehicle-has-been-deemed-a-total-loss-what-should-i-do.html): If a total loss has occurred, please call Upgrade at (855) 598-1271 and provide us with your insurance claim details. Please note that your insurance company... (96 words, Nov 25, 2025) - [Auto Finance: What happens if I was in an accident with vehicle damage and I received a collision repair payable to Upgrade and myself? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-what-happens-if-i-was-in-an-accident-with-vehicle-damage-and-i-received-a-collision-repair-payable-to-upgrade-and-myself.html): If you were in an accident and you received a collision repair check from the insurance company payable to Upgrade, please contact us at your earliest conven... (120 words, Nov 25, 2025) - [Auto Finance: What lienholder information should I share with my insurance company? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-what-lienholder-information-should-i-share-with-my-insurance-company.html): Please notify your insurance provider that Upgrade, Inc. is the lienholder on your vehicle and have your provider send your insurance policy details to Upgra... (46 words, Nov 25, 2025) - [Auto Finance: How do I get my registration? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-how-do-i-get-my-registration/index.html): The dealership where you bought your car or truck will submit the registration paperwork to your local motor vehicle department. This process may take up to... (214 words, Nov 25, 2025) - [Auto Finance: I’ve changed my name. How do I update my name on my title? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-i-ve-changed-my-name-how-do-i-update-my-name-on-my-title.html): Each state has different registration requirements. If your state requires the title in order to change the name on the title, please contact us at your earl... (91 words, Nov 25, 2025) - [Auto Finance: What do I need to do if I move to a different state? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-what-do-i-need-to-do-if-i-move-to-a-different-state.html): Each state has different registration requirements. If your new state requires the title to be updated in order to register your car, please contact us at yo... (92 words, Nov 25, 2025) - [Auto Finance: When will I get my title? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-when-will-i-get-my-title/index.html): Once you pay off your auto financing, Upgrade will release your title or lien. Upgrade will instruct the titling agency to release your title or lien in acco... (46 words, Nov 25, 2025) - [Auto Finance: Will auto financing show up on my credit report? - Help Center](/content/help/personal-loan/auto-finance/auto-finance-will-auto-financing-show-up-on-my-credit-report.html): Yes, as an Upgrade customer whose motor vehicle retail installment sales contract (“RISC”) was assigned to Upgrade by your dealership, Upgrade will service y... (210 words, Nov 25, 2025) - [What should I do if I'm having trouble making my auto financing payments? - Help Center](/content/help/personal-loan/auto-finance/what-should-i-do-if-i-m-having-trouble-making-my-auto-financing-payments.html): If you're experiencing financial difficulties, notify us immediately so that we can explore your options to get back on track. You can contact Upgrade by ema... (72 words, Nov 25, 2025) - [Can I defer my auto financing payments? - Help Center](/content/help/personal-loan/auto-finance/can-i-defer-my-auto-financing-payments/index.html): If you’re having financial difficulties, contact us immediately so that we can explore your options to get back on track. You can contact Upgrade by emailing... (66 words, Nov 25, 2025) - [Can I pay off my auto financing early? - Help Center](/content/help/personal-loan/auto-finance/can-i-pay-off-my-auto-financing-early/index.html): To pay off your auto financing or to check what your payoff amount is, please sign in and visit the “ Manage Payments ” section of your account. Click the “P... (234 words, Nov 25, 2025) - [Can I make a principal payment on my auto financing? - Help Center](/content/help/personal-loan/auto-finance/can-i-make-a-principal-payment-on-my-auto-financing.html): Yes, as long as you’re up to date with your payments, you can make an additional, principal-only payment. A principal-only payment is separate from your mont... (112 words, Nov 25, 2025) - [How do I make a payment? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-make-a-payment/index.html): You have the flexibility to make payments in several different ways. Set up autopay to make sure you never miss a payment and avoid late penalties. Login to... (158 words, Nov 25, 2025) - [What if I’m unable to make my monthly payment because of my student loans? - Help Center](/content/help/account-management-payments/payments-billing/what-if-i-m-unable-to-make-my-monthly-payment-because-of-my-student-loans.html): We understand that the requirement to begin repayment of student loans may be a difficult transition. If you are experiencing a hardship or having trouble ma... (344 words, Nov 25, 2025) - [Can I change my payment due date? - Help Center](/content/help/account-management-payments/payments-billing/can-i-change-my-payment-due-date/index.html): If you have a personal loan or Auto Finance account* with Upgrade, you have the ability to change your due date directly through your Upgrade Dashboard if yo... (234 words, Nov 25, 2025) - [What if I’m unable to make my monthly payment? - Help Center](/content/help/account-management-payments/payments-billing/what-if-i-m-unable-to-make-my-monthly-payment/index.html): If you are experiencing a hardship or having trouble making your payments, Upgrade is here for you. Depending on your situation, you may have the option to m... (164 words, Nov 25, 2025) - [What is a Performance Savings account? - Help Center](/content/help/deposit-checking-savings/performance-savings/what-is-a-performance-savings-account/index.html): Upgrade offers a variety of deposit accounts, including checking and savings accounts. Our Performance Savings account is a companion savings account to the... (164 words, Nov 25, 2025) - [What is the Upgrade OneCard? (Accounts opened before April 2, 2026) - Help Center](/content/help/upgrade-cards/onecard/what-is-the-upgrade-onecard/index.html): The Upgrade OneCard (opened before April 6, 2026) is a card that empowers customers to make deliberate choices about managing short-term and long-term expens... (129 words, Nov 25, 2025) - [What is autopay? - Help Center](/content/help/account-management-payments/payments-billing/what-is-autopay/index.html): Autopay gives you the convenience of having automatic payments so you don’t have to remember another due date. It is an optional feature. Once you set up aut... (112 words, Nov 25, 2025) - [How do I close my account? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-close-my-account/index.html): You can close your account by calling our toll-free line at (844) 319-3909, Monday - Friday 5AM - 7PM PT, Saturday & Sunday 6AM - 5PM PT, and a member of our... (45 words, Nov 25, 2025) - [When will I see my Upgrade Card Welcome bonus in my account? - Help Center](/content/help/refer-a-friend-bonuses/welcome-bonus/when-will-i-see-my-upgrade-card-welcome-bonus-in-my-account.html): For bonuses that are credited to your Upgrade Card account, your welcome bonus will be applied as a one-time credit to the account and will post within 1-2 b... (122 words, Nov 25, 2025) - [When will I see my Refer a Friend bonus in my account? - Help Center](/content/help/refer-a-friend-bonuses/refer-a-friend/when-will-i-see-my-refer-a-friend-bonus-in-my-account.html): F For Upgrade customers who have referred a friend or were referred by a friend as part of our Refer a Friend Program, your referral or welcome bonus will po... (165 words, Nov 25, 2025) - [I'm having trouble logging in - Help Center](/content/help/account-management-payments/payments-billing/i-m-having-trouble-logging-in/index.html): Having trouble accessing your Upgrade account? Follow the troubleshooting section that best matches your situation: I forgot my password Forgot your password... (456 words, Nov 25, 2025) - [What are the transfer limits on my Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/what-are-the-transfer-limits-on-my-everyday-savings-account.html): ACH transfers initiated through your account dashboard to or from an external account are subject to limits on the number of transfers (“Count Limits”) and l... (386 words, Nov 25, 2025) - [[Customer Only] What types of plans/rates does Upgrade Home Improvement offer? - Help Center](/content/help/home-improvement/customers/customer-only-what-types-of-plans-rates-does-upgrade-home-improvement-offer.html): The Upgrade Home Improvement platform is designed to offer a wide range of financing options for an array of home improvement projects. Many plans include no... (52 words, Nov 25, 2025) - [[Customer Only] Is collateral required to get a Home Improvement Loan? - Help Center](/content/help/home-improvement/customers/customer-only-is-collateral-required-to-get-a-home-improvement-loan.html): Great news! Home Improvement Loans through Upgrade do not require any form of collateral. (25 words, Nov 25, 2025) - [[Customer Only] Do I have to be the owner of the property in order to use Upgrade Home Improvement? - Help Center](/content/help/home-improvement/customers/customer-only-do-i-have-to-be-the-owner-of-the-property-in-order-to-use-upgrade-home-improvement.html): No, you do not have to own the property in order to be eligible for a Home Improvement Loan through Upgrade. (40 words, Nov 25, 2025) - [[Customer Only] Can I use a cosigner if I don’t qualify for the Home Improvement Loan? - Help Center](/content/help/home-improvement/customers/customer-only-can-i-use-a-cosigner-if-i-don-t-qualify-for-the-home-improvement-loan.html): At this time, we do not allow for co-signers on Home Improvement Loans through Upgrade. (31 words, Nov 25, 2025) - [[Customer Only] What if I’m unsatisfied with the end result of my contractor’s home improvement project? - Help Center](/content/help/home-improvement/customers/customer-only-what-if-i-m-unsatisfied-with-the-end-result-of-my-contractor-s-home-improvement-project.html): If you have any concerns, the Upgrade Home Improvement platform is designed so that, at the time your contractor requests any payment, you can decline the re... (151 words, Nov 25, 2025) - [[Customer Only] When is my first payment due for my Home Improvement Loan? - Help Center](/content/help/home-improvement/customers/customer-only-when-is-my-first-payment-due-for-my-home-improvement-loan.html): Your first loan payment won’t be due until the home improvement project has been completed or the 6-month advance period has ended (or later, if a promotiona... (55 words, Nov 25, 2025) - [[Customer Only] Are the Home Improvement Loan rates fixed or variable? - Help Center](/content/help/home-improvement/customers/customer-only-are-the-home-improvement-loan-rates-fixed-or-variable.html): The Upgrade Home Improvement platform offers fixed rate loans with Annual Percentage Rates (APRs) ranging from 0% to 29.99% that may include promotional peri... (45 words, Nov 25, 2025) - [[Customer Only] What if I end up not using the full amount of the Home Improvement Loan that I was approved for? - Help Center](/content/help/home-improvement/customers/customer-only-what-if-i-end-up-not-using-the-full-amount-of-the-home-improvement-loan-that-i-was-approved-for.html): No problem! Your contractor will only request funding as necessary to complete the project, and you will only be responsible for advances that have actually... (82 words, Nov 25, 2025) - [[Customer Only] After my Home Improvement Loan is approved, what am I supposed to do? - Help Center](/content/help/home-improvement/customers/customer-only-after-my-home-improvement-loan-is-approved-what-am-i-supposed-to-do.html): At agreed project milestones, your contractor will submit requests for project payments. Upon each request, you’ll be notified via email and you will be able... (117 words, Nov 25, 2025) - [[Customer Only] Am I able to apply for additional funding if more is required to complete my home improvement project? - Help Center](/content/help/home-improvement/customers/customer-only-am-i-able-to-apply-for-additional-funding-if-more-is-required-to-complete-my-home-improvement-project.html): You’ll be able to obtain funding up to the Max Loan Amount shown in your Upgrade Account dashboard. If you need funding beyond that amount, you will need to... (57 words, Nov 25, 2025) - [[Contractor Only] What if my customers usually pay in cash, why would using Upgrade be beneficial? - Help Center](/content/help/home-improvement/contractors/contractor-only-what-if-my-customers-usually-pay-in-cash-why-would-using-upgrade-be-beneficial.html): Upgrades provides access to a variety of promotional plans that offer customers the ability to manage their finances more effectively based on their needs. C... (73 words, Nov 25, 2025) - [[Contractor Only] What are the interest rates available to consumers? - Help Center](/content/help/home-improvement/contractors/contractor-only-what-are-the-interest-rates-available-to-consumers.html): The Upgrade Home Improvement platform offers an array of financing options to fit your customer’s needs, from fixed rate loans with Annual Percentage Rates (... (44 words, Nov 25, 2025) - [[Contractor Only] How do my customers pay me through Upgrade? - Help Center](/content/help/home-improvement/contractors/contractor-only-how-do-my-customers-pay-me-through-upgrade.html): Contractors are able to request funds through their Upgrade portal at agreed project milestones. Once requested, an email notification will be sent to the cu... (59 words, Nov 25, 2025) - [[Contractor Only] How do I submit a payment for my contractor fees? - Help Center](/content/help/home-improvement/contractors/contractor-only-how-do-i-submit-a-payment-for-my-contractor-fees.html): You won’t need to submit any payments! Upgrade takes the hassle out of contractor payments by simply following the below process: Each time an advance is mad... (142 words, Nov 25, 2025) - [[Contractor Only] What happens if I can’t complete the home impovement project in the allotted time? - Help Center](/content/help/home-improvement/contractors/contractor-only-what-happens-if-i-can-t-complete-the-home-impovement-project-in-the-allotted-time.html): If you need an extension on a home improvement project, please give us a call at (844) 319-3368 . (34 words, Nov 25, 2025) - [[Contractor Only] What does my customer need to provide when applying for a Home Improvement Loan through Upgrade? - Help Center](/content/help/home-improvement/contractors/contractor-only-what-does-my-customer-need-to-provide-when-applying-for-a-home-improvement-loan-through-upgrade.html): Once pre-approved, customers will be directed to a To-Do List through their Upgrade account. Some customers may have nothing further to provide. Others may n... (106 words, Nov 25, 2025) - [[Contractor Only] What happens if I don’t use all the funds my customer was approved for? - Help Center](/content/help/home-improvement/contractors/contractor-only-what-happens-if-i-don-t-use-all-the-funds-my-customer-was-approved-for.html): Not a problem! The Upgrade Home Improvement platform is built in a way where you’re only requesting the funds you need to complete the project and your custo... (61 words, Nov 25, 2025) - [[Contractor Only] How do my customers submit an application? - Help Center](/content/help/home-improvement/contractors/contractor-only-how-do-my-customers-submit-an-application.html): The customer application process is quick and easy! You can help the customer start the application process through your Upgrade dashboard from your mobile d... (53 words, Nov 25, 2025) - [[Contractor Only] How long will it take to receive funds when starting a project? - Help Center](/content/help/home-improvement/contractors/contractor-only-how-long-will-it-take-to-receive-funds-when-starting-a-project.html): Once a customer’s application is approved, you’ll be able to request funds through your Contractor Upgrade Account. Once requested, an email notification wil... (60 words, Nov 25, 2025) - [[Contractor Only] How do I receive funding for the project? - Help Center](/content/help/home-improvement/contractors/contractor-only-how-do-i-receive-funding-for-the-project.html): Once a customer’s application is approved, you’ll be able to request funds through your Contractor Upgrade Account. Once requested, an email notification wil... (62 words, Nov 25, 2025) - [[Contractor Only] What types of plans/rates does Upgrade Home Improvement provide? - Help Center](/content/help/home-improvement/contractors/contractor-only-what-types-of-plans-rates-does-upgrade-home-improvement-provide.html): The Upgrade Home Improvement platform offers an array of financing options to fit your customer’s needs, from fixed rate loans with Annual Percentage Rates (... (71 words, Nov 25, 2025) - [[Contractor Only] Why should I use Upgrade Home Improvement? - Help Center](/content/help/home-improvement/contractors/contractor-only-why-should-i-use-upgrade-home-improvement.html): Choosing to use Upgrade Home Improvement has many benefits! Check out a few of them below: Know Before You Go Our platform provides you with the ability to c... (133 words, Nov 25, 2025) - [Can I deposit a check via Mobile Deposit to be applied to my personal loan or Upgrade Card? - Help Center](/content/help/deposit-checking-savings/rewards-checking/can-i-deposit-a-check-via-mobile-deposit-to-be-applied-to-my-personal-loan-or-upgrade-card.html): Mobile Deposits can only be applied to your Rewards Checking Preferred account. However, you may use those funds toward your loan or Upgrade Card once they b... (52 words, Nov 25, 2025) - [How do I upload documents? - Help Center](/content/help/application-process/applying-for-account/how-do-i-upload-documents/index.html): The recommended and quickest way to send us your documents is by uploading directly to your To-Do List via smartphone or computer: Smartphone Download the Up... (231 words, Nov 25, 2025) - [Upgrade: Upgrade, Inc. Overview - State Licenses and Consumer Information - Help Center](/content/help/upgrade-inc-state-licenses-and-consumer-information/state-licenses-and-consumer-information/upgrade-upgrade-inc-overview-state-licenses-and-consumer-information.html): Upgrade, Inc. ( NMLS #1548935 ) holds the licenses listed in the table below. Please refer to the NMLS Consumer Access website for additional information on... (2,145 words, Nov 25, 2025) - [What is Universal Credit? - Help Center](/content/help/about-upgrade/overview/what-is-universal-credit/index.html): Universal Credit is an online lending platform that provides access to affordable loans and great customer service. Whether it is to consolidate debt, fix a... (277 words, Nov 25, 2025) - [How do I apply for an Auto Refinance loan? - Help Center](/content/help/personal-loan/auto-secured-loan/how-do-i-apply-for-an-auto-refinance-loan/index.html): Applying for an auto secured loan is simple. Start by providing some basic information about yourself on our Auto Refinance loan application. We'll ask for s... (168 words, Nov 25, 2025) - [Who is Blue Ridge Bank? - Help Center](/content/help/about-upgrade/overview/who-is-blue-ridge-bank/index.html): Blue Ridge Bank, N.A., a nationally-chartered commercial bank, Member FDIC, originated personal loans through Upgrade through February 2026. (23 words, Nov 25, 2025) - [Who is Cross River Bank? - Help Center](/content/help/about-upgrade/overview/who-is-cross-river-bank/index.html): Cross River Bank, Member FDIC, Equal Housing Lender, originates personal loans, auto refinance loans, home improvement loans, and BoostCash™ advances offered... (106 words, Nov 25, 2025) - [What is an auto secured loan? - Help Center](/content/help/personal-loan/auto-secured-loan/what-is-an-auto-secured-loan/index.html): An auto secured loan is a personal loan that uses your car (collateral) to help you qualify for a loan or a discount on your rate. We'll take the value of yo... (62 words, Nov 25, 2025) - [How will I receive my money with a debt payoff loan? - Help Center](/content/help/application-process/applying-for-account/how-will-i-receive-my-money-with-a-debt-payoff-loan.html): You may have the option to select a debt payoff loan where Upgrade arranges to pay off your credit card or personal loan balances directly using the funds fr... (149 words, Nov 25, 2025) - [Late Payments - Help Center](/content/help/account-management-payments/payments-billing/late-payments/index.html): If you’re having trouble making your monthly payment or feel like you might miss a payment, please give us a call as soon as possible to speak with a dedicat... (93 words, Nov 25, 2025) - [Does Upgrade have a mobile app? - Help Center](/content/help/about-upgrade/overview/does-upgrade-have-a-mobile-app/index.html): Yes, Upgrade’s mobile app allows customers to manage their Upgrade account on the go. We're always working on more features that we add to future releases, s... (75 words, Nov 25, 2025) - [What card details do I need to provide? - Help Center](/content/help/application-process/applying-for-account/what-card-details-do-i-need-to-provide/index.html): In order to provide payout instructions, you'll need your full credit card number, the expiration date, and the CVV code. The CVV code is the 3- or 4- digit... (46 words, Nov 25, 2025) - [Is my credit card information secure? - Help Center](/content/help/application-process/applying-for-account/is-my-credit-card-information-secure/index.html): Yes. Upgrade does not store your credit card data within our network and we will never have access to your full credit card information. (30 words, Nov 25, 2025) - [Which cards or loans can I pay off directly with my new loan? - Help Center](/content/help/application-process/applying-for-account/which-cards-or-loans-can-i-pay-off-directly-with-my-new-loan.html): Once you receive your loan funds in your bank account, you may use them to pay off any card balances or debts you like. You may have the option to select a d... (97 words, Nov 25, 2025) - [Can I change my instructions? - Help Center](/content/help/application-process/applying-for-account/can-i-change-my-instructions/index.html): You can edit your instructions for where your loan proceeds will be sent any time before your application is approved. Once your loan is approved, you cannot... (37 words, Nov 25, 2025) - [When will my card payments be processed? - Help Center](/content/help/application-process/applying-for-account/when-will-my-card-payments-be-processed/index.html): Upon approval, your loan proceeds will be sent according to your instructions within one business day. It may take 2 - 4 business days after your loan is app... (125 words, Nov 25, 2025) - [Can I use my entire loan to pay off my credit cards? - Help Center](/content/help/application-process/applying-for-account/can-i-use-my-entire-loan-to-pay-off-my-credit-cards.html): Yes, you can use all of your loan proceeds to pay off your credit cards or other debt. Please make sure you have enough funds in your bank account to make yo... (67 words, Nov 25, 2025) - [How does a debt payoff loan work? - Help Center](/content/help/application-process/applying-for-account/how-does-a-debt-payoff-loan-work/index.html): You may have the option to select a debt payoff loan where Upgrade arranges to pay off your credit card or personal loan balances directly using the funds fr... (197 words, Nov 25, 2025) - [No application fees or upfront fees - Help Center](/content/help/application-process/applying-for-account/no-application-fees-or-upfront-fees/index.html): There are no fees to apply for a personal loan or Upgrade OneCard. We’ll never ask you to pay any kind of upfront application fee, security fee, or insurance... (78 words, Nov 25, 2025) - [How long does it take to receive my money? - Help Center](/content/help/about-upgrade/overview/how-long-does-it-take-to-receive-my-money/index.html): For personal loans, once you’ve been approved and have cleared the necessary verification, funds will be sent to your account within one (1) business day. Av... (241 words, Nov 25, 2025) - [What is the Upgrade Card (opened before 06/20/26)? - Help Center](/content/help/upgrade-cards/upgrade-card/what-is-the-upgrade-card/index.html): The Upgrade OneCard (opened before 06/20/26) is a credit card that empowers customers to make deliberate choices about managing short-term and long-term expe... (127 words, Nov 25, 2025) - [Why would you deny me if I was pre-approved? - Help Center](/content/help/application-process/applying-for-account/why-would-you-deny-me-if-i-was-pre-approved/index.html): Receiving a pre-approval letter means that you have met the minimum borrowing requirements based on information obtained from your credit report. The pre-app... (136 words, Nov 25, 2025) - [What does receiving a pre-approval letter for a personal loan mean? - Help Center](/content/help/application-process/applying-for-account/what-does-receiving-a-pre-approval-letter-mean/index.html): Receiving a pre-approved letter means that you have met the minimum borrowing requirements based on information obtained from your credit report. Please keep... (90 words, Nov 25, 2025) - [Why was I offered a lower amount than I originally requested? - Help Center](/content/help/about-upgrade/overview/why-was-i-offered-a-lower-amount-than-i-originally-requested.html): The rates and offer(s) available to you are dependent on a variety of factors including your income, requested loan amount, and information contained in your... (122 words, Nov 25, 2025) - [FAQs for Self-Employed Applicants - Help Center](/content/help/application-process/applying-for-account/faqs-for-self-employed-applicants/index.html): FAQ FOR SELF-EMPLOYED APPLICANTS If you are self-employed and you’re applying for a loan through Upgrade, please use this article as a guide on how to: Ident... (257 words, Nov 25, 2025) - [How do I sign up for Credit Health? - Help Center](/content/help/credit-health/overview/how-do-i-sign-up-for-credit-health/index.html): Credit Health is available to everyone. If you already have a personal loan or Upgrade Card, simply log in to your Upgrade Account Dashboard and navigate to... (69 words, Nov 25, 2025) - [Where do I locate my 15-digit pre-approval code? - Help Center](/content/help/application-process/applying-for-account/where-do-i-locate-my-15-digit-pre-approval-code/index.html): If you've received a letter in the mail from Upgrade, you can locate your 15-digit pre-approval code in a few different places. Your pre-approval code will b... (96 words, Nov 25, 2025) - [What types of documents may be requested from me? - Help Center](/content/help/application-process/applying-for-account/what-types-of-documents-may-be-requested-from-me/index.html): While every individual has a different financial situation, here are a few examples of documents that may be requested from you: Copy of government-issued id... (77 words, Nov 25, 2025) - [How does the Verifications department communicate with me? - Help Center](/content/help/application-process/applying-for-account/how-does-the-verifications-department-communicate-with-me.html): Upgrade’s Verifications department may communicate with you by email or phone. A specialist may need to contact you for verification purposes. We suggest tha... (42 words, Nov 25, 2025) - [Can I mail my documents to you instead? - Help Center](/content/help/application-process/applying-for-account/can-i-mail-my-documents-to-you-instead/index.html): Currently, Upgrade does not accept most documents by mail. You can upload your documents directly onto your To-Do List once you’ve submitted your application... (57 words, Nov 25, 2025) - [Can I change my personal loan term or loan amount without Upgrade canceling my application? - Help Center](/content/help/about-upgrade/overview/can-i-change-my-personal-loan-term-or-loan-amount-without-upgrade-canceling-my-application.html): No, once you choose your loan term and amount you can’t change it, but we’d like to help you with your current application. You can reach an Upgrade Customer... (71 words, Nov 25, 2025) - [If I’m denied, am I able to re-apply? - Help Center](/content/help/application-process/applying-for-account/if-i-m-denied-am-i-able-to-re-apply/index.html): You can reapply at any time, but we suggest waiting 30 days from the date of your adverse action notification. (28 words, Nov 25, 2025) - [If I cancel my application, can I re-apply? - Help Center](/content/help/application-process/applying-for-account/if-i-cancel-my-application-can-i-re-apply/index.html): If you’ve canceled your application, you can re-apply at any time by going to Upgrade.com. If you have additional questions, you may contact an Upgrade Custo... (59 words, Nov 25, 2025) - [Does Upgrade accept applications over the phone? - Help Center](/content/help/application-process/applying-for-account/does-upgrade-accept-applications-over-the-phone/index.html): Yes! We'd be happy to help you start your application over the phone. You can give us a call at (844) 311-0088 , Monday - Friday 5AM - 7PM PT, Saturday & Sun... (82 words, Nov 25, 2025) - [Can I apply by mail? - Help Center](/content/help/application-process/applying-for-account/can-i-apply-by-mail/index.html): Upgrade does not accept applications by mail. Your application must be submitted online or you can give us a call to apply by phone at (844) 311-0088 , Monda... (46 words, Nov 25, 2025) - [Can I include household income on my application? - Help Center](/content/help/application-process/applying-for-account/can-i-include-household-income-on-my-application/index.html): We will only be evaluating your personal individual income for the purposes of the application. If you would like to note anything additional, you can enter... (81 words, Nov 25, 2025) - [Where can I locate Upgrade’s Terms of Use? - Help Center](/content/help/about-upgrade/overview/where-can-i-locate-upgrade-s-terms-of-use/index.html): You can find Upgrade’s policies on Upgrade.com . Click here to review our Terms of Use. (23 words, Nov 25, 2025) - [Where can I locate Upgrade’s Privacy Policy? - Help Center](/content/help/about-upgrade/overview/where-can-i-locate-upgrade-s-privacy-policy/index.html): You can find Upgrade’s policies on Upgrade.com . Click here to review our Privacy Policy. (21 words, Nov 25, 2025) - [Who is WebBank? - Help Center](/content/help/about-upgrade/overview/who-is-webbank/index.html): WebBank is an FDIC-insured, state-chartered industrial bank that provides customized consumer and commercial financing solutions on a nationwide basis. WebBa... (42 words, Nov 25, 2025) - [Is Upgrade a bank? - Help Center](/content/help/about-upgrade/overview/is-upgrade-a-bank/index.html): Upgrade, Inc. (“ Upgrade ”) is an online marketplace platform that provides access to affordable and responsible credit, mobile banking, and payment products... (274 words, Nov 25, 2025) - [Where can I locate my account number? - Help Center](/content/help/account-management-payments/payments-billing/where-can-i-locate-my-account-number/index.html): To locate your account number, log in to your Upgrade Account Dashboard . Your account number will be present at the top of your dashboard. (98 words, Nov 25, 2025) - [Is an email address required to apply? - Help Center](/content/help/application-process/applying-for-account/is-an-email-address-required-to-apply/index.html): Yes. A valid email address is required in order to process your application. If you don't currently have a valid email address, you can create one for free t... (42 words, Nov 25, 2025) - [How do I change my email address? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-change-my-email-address/index.html): If you wish to change your email to an alternate address, please follow the following steps: Click here to sign into your Upgrade Account. At the top right o... (113 words, Nov 25, 2025) - [What are the next steps after I have submitted all of the requested documents? - Help Center](/content/help/application-process/applying-for-account/what-are-the-next-steps-after-i-have-submitted-all-of-the-requested-documents.html): Well done! Keep an eye on your account summary and check for status update emails from us. If we need further information or documentation, we'll let you know. (42 words, Nov 25, 2025) - [How long does it take to receive the funds in my bank account after completing my To-Do List? - Help Center](/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.html): Once review is complete and a final approval decision has been made, your funds will be sent within one business day. In most cases, your funds should be ava... (106 words, Nov 25, 2025) - [How do I apply for a personal loan or an Upgrade Card? - Help Center](/content/help/application-process/applying-for-account/how-do-i-apply-for-a-personal-loan-or-an-upgrade-card.html): Applying for a personal loan is quick and simple. It’s free to check what you may qualify for and applying won’t impact your credit score. First, we’ll ask f... (93 words, Nov 25, 2025) - [How can I reduce the number of unsolicited credit and insurance offers I receive? - Help Center](/content/help/application-process/applying-for-account/how-can-i-reduce-the-number-of-unsolicited-credit-and-insurance-offers-i-receive.html): To reduce the number of unsolicited credit and insurance offers you receive, you can refer to the PRESCREEN & OPT-OUT NOTICE on your pre-approval letter. To... (143 words, Nov 25, 2025) - [Where are your offices located? - Help Center](/content/help/about-upgrade/overview/where-are-your-offices-located/index.html): Upgrade has three offices with it’s main headquarters in San Francisco, CA, an operations center in Phoenix, AZ and a development center is in Montreal, Quebec. (30 words, Nov 25, 2025) - [How much money will I receive in my bank account after the origination fee? - Help Center](/content/help/about-upgrade/overview/how-much-money-will-i-receive-in-my-bank-account-after-the-origination-fee.html): For Personal Loans, you’ll receive the total amount of your personal loan, minus the one-time origination fee, in your account. Upgrade will never ask you to... (120 words, Nov 25, 2025) - [How can I use my Upgrade Card? - Help Center](/content/help/upgrade-cards/upgrade-card/how-can-i-use-my-upgrade-card/index.html): You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa® is accepted. You can also transfer credit card balances from other cr... (145 words, Nov 25, 2025) - [What is Bill Pay Guard? - Help Center](/content/help/deposit-checking-savings/deposit/what-is-bill-pay-guard/index.html): With Bill Pay Guard , you can avoid bill payment failures due to insufficient funds by automatically pulling money from your savings account when your checki... (41 words, Nov 25, 2025) - [What is the interest rate on the Upgrade OneCard Secured Account? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard-with-secured-account/what-is-the-interest-rate-on-the-onecard-secured-account.html): Rates, Fees and Terms Credit Lines for the Upgrade OneCard feature an Annual Percentage Rate (APR) of 19.99% based on creditworthiness. For example, a $1,000... (1,163 words, Nov 25, 2025) - [What is the interest rate on the Performance Savings account? - Help Center](/content/help/deposit-checking-savings/performance-savings/what-is-the-interest-rate-on-the-performance-savings-account.html): Performance Savings accounts that meet the Active Accounts requirements qualify for 3.05% APY with monthly $1,000 direct deposit. The APY for Active Accounts... (102 words, Nov 25, 2025) - [What is Extra Spending Power? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/what-is-extra-spending-power/index.html): Customers who link their Rewards Checking, Rewards Checking Plus, or Rewards Checking Preferred account (“Rewards Checking Account”) through Upgrade to the P... (170 words, Nov 25, 2025) - [How will I know that I received my Refer a Friend bonus? - Help Center](/content/help/refer-a-friend-bonuses/refer-a-friend/how-will-i-know-that-i-received-my-refer-a-friend-bonus.html): You can review the status of all of your referrals in your Refer a Friend dashboard. Once a referral moves from ‘In Progress’ to ‘Bonus On The Way’, it means... (58 words, Nov 25, 2025) - [What is the interest rate on the Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/what-is-the-interest-rate-on-the-premier-savings-account.html): Premier Savings (Oct 22) The Premier Savings (Oct 22) account is a variable rate account. The version of Premier Savings that was discontinued during October... (77 words, Nov 25, 2025) - [Can I make a payment to my Upgrade credit products from my Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/can-i-make-a-payment-to-my-upgrade-credit-products-from-my-everyday-savings-account.html): At this time, you cannot make payments from the Everyday savings account directly to your credit products. However, you can transfer funds from your savings... (185 words, Nov 25, 2025) - [Can a deposit be canceled once it is submitted through Mobile Deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking/can-a-deposit-be-canceled-once-it-is-submitted-through-mobile-deposit.html): Deposits may be canceled prior to 3pm Eastern Time on the business day the deposit will be processed** . ** To cancel your deposit, please call us at (844) 3... (40 words, Nov 25, 2025) - [Debit Card Payment Terms and Conditions - Help Center](/content/help/account-management-payments/payments-billing/debit-card-payment-terms-and-conditions/index.html): In Case of Errors or Questions About Your Electronic Transfers, Telephone Upgrade at (844) 899-9931 or E-mail Upgrade at accountservicing@upgrade.com as soon... (283 words, Nov 25, 2025) - [How is my current auto loan paid off? - Help Center](/content/help/personal-loan/auto-secured-loan/how-is-my-current-auto-loan-paid-off/index.html): After approval, Upgrade will directly pay off your existing auto loan and obtain the title from the current finance company. Please keep in mind, it may take... (89 words, Nov 25, 2025) - [Auto Secured Loan: How do I apply for an auto secured loan? - Help Center](/content/help/personal-loan/auto-secured-loan/auto-secured-loan-how-do-i-apply-for-an-auto-secured-loan.html): Applying for an auto secured loan is simple. Start by providing some basic information about yourself on our personal loan application. If we determine you m... (74 words, Nov 25, 2025) - [Will signing up for Credit Health impact my credit score? - Help Center](/content/help/credit-health/overview/will-signing-up-for-credit-health-impact-my-credit-score.html): No. Signing up for Credit Health will not impact your credit score. We only perform a soft inquiry to access your credit history and generate your credit sco... (193 words, Nov 25, 2025) - [Does Upgrade offer benefits for Veterans? - Help Center](/content/help/about-upgrade/overview/does-upgrade-offer-benefits-for-veterans/index.html): If you’re a Veteran, we greatly appreciate your service in defending and protecting our country. Loans obtained through Upgrade do not currently offer benefi... (139 words, Nov 25, 2025) - [What information do you need to verify my employment? - Help Center](/content/help/application-process/applying-for-account/what-information-do-you-need-to-verify-my-employment.html): Upgrade may request the name of your employer, the telephone number, and your date of hire, if applicable. We may also request certain income documents in re... (39 words, Nov 25, 2025) - [What are the minimum borrower requirements? - Help Center](/content/help/application-process/applying-for-account/what-are-the-minimum-borrower-requirements/index.html): We take many other factors into account when determining loan eligibility, such as your credit score, credit usage and history. Additionally, to be eligible... (82 words, Nov 25, 2025) - [Is Upgrade going to sell my information? - Help Center](/content/help/privacy-security/overview/is-upgrade-going-to-sell-my-information/index.html): No. Upgrade does not sell your information. Please refer to our Privacy Policy for additional information. (23 words, Nov 25, 2025) - [Can I increase my loan amount after I’ve already selected an offer? - Help Center](/content/help/application-process/applying-for-account/can-i-increase-my-loan-amount-after-i-ve-already-selected-an-offer.html): Currently, you can’t increase your loan amount after you’ve already selected an offer and submitted your online application. For additional information, you... (58 words, Nov 25, 2025) - [Why didn’t I get a discount when I used an Upgrade Shopping offer? - Help Center](/content/help/upgrade-shopping/shopping-rewards/why-didn-t-i-get-a-discount-when-i-used-an-upgrade-shopping-offer.html): To qualify for an offer, you must complete your purchase through the Upgrade Shopping portal. Additionally, your purchase must meet all the merchant’s listed... (54 words, Nov 25, 2025) - [What is Auto Balance? - Help Center](/content/help/deposit-checking-savings/deposit/what-is-auto-balance/index.html): With Auto Balance , you can create custom rules to transfer money between your checking and savings accounts whenever your balance crosses a specific thresho... (54 words, Nov 25, 2025) - [Can I use my Upgrade OneCard to withdraw funds at an ATM? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/can-i-use-my-onecard-to-withdraw-funds-at-an-atm/index.html): Yes, the Upgrade OneCard can be used at ATMs. Follow the steps below to set up ATM access: From your Upgrade OneCard Account Dashboard, select More > ATM Set... (144 words, Nov 25, 2025) - [What is the Secured Upgrade OneCard APR? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard-with-secured-account/what-is-the-secured-onecard-apr/index.html): When you pay for purchases using Pay Now, you won’t pay any interest. When paying for purchases using Pay Later, the current APR for the Secured Upgrade OneC... (43 words, Nov 25, 2025) - [What is the minimum balance requirement for a Performance Savings account? - Help Center](/content/help/deposit-checking-savings/performance-savings/what-is-the-minimum-balance-requirement-for-a-performance-savings-account.html): There is no minimum balance required to keep your Performance Savings account open. (24 words, Nov 25, 2025) - [How many people can I refer to Upgrade Card? - Help Center](/content/help/refer-a-friend-bonuses/refer-a-friend/how-many-people-can-i-refer-to-upgrade-card/index.html): You can refer as many friends as you would like. You can earn a maximum of ten (10) Referral Bonuses as part of the Upgrade Card Refer a Friend Program. (39 words, Nov 25, 2025) - [What is the minimum balance requirement for the Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/what-is-the-minimum-balance-requirement-for-the-premier-savings-account.html): There is no minimum balance required to open a Premier Savings account. However, in order to earn interest on the funds in your Premier Savings account, you... (61 words, Nov 25, 2025) - [How long will it take to transfer funds from my Everyday Savings account to my Rewards Checking Preferred account to spend? - Help Center](/content/help/deposit-checking-savings/everyday-savings/how-long-will-it-take-to-transfer-funds-from-my-everyday-savings-account-to-my-rewards-checking-account-to-spend.html): Transfers between your Everyday Savings and checking accounts are instant and will be available to spend from the Rewards Checking Preferred account the same... (46 words, Nov 25, 2025) - [What should I do with my check after I deposit it using Mobile Deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking/what-should-i-do-with-my-check-after-i-deposit-it-using-mobile-deposit.html): Please hold on to your original paper check for 60 days after submitting your check for deposit in case of any processing or audit issues. After this 60-day... (51 words, Nov 25, 2025) - [Upgrade: Arizona - Help Center](/content/help/upgrade-inc-state-licenses-and-consumer-information/state-licenses-and-consumer-information/upgrade-arizona/index.html): Arizona Consumer Disclosure Notice Before signing any loan documents or otherwise committing to a loan, you may take copies of those documents away from the... (34 words, Nov 25, 2025) - [What are the benefits of refinancing my car through Upgrade? - Help Center](/content/help/personal-loan/personal-loan/what-are-the-benefits-of-refinancing-my-car-through-upgrade.html): Refinancing your car through Upgrade may help you reach your financial goals. You can lower your monthly payment to free up cash for other monthly expenses b... (209 words, Nov 25, 2025) - [Auto Secured Loan: What do I need to apply for an auto secured loan? - Help Center](/content/help/personal-loan/auto-secured-loan/auto-secured-loan-what-do-i-need-to-apply-for-an-auto-secured-loan.html): If you're adding a car to your loan application, you'll need to know the year, make, model, trim, and current mileage. Keep reading for more helpful hints: Y... (159 words, Nov 25, 2025) - [Why use the Upgrade Card instead of a credit card? - Help Center](/content/help/upgrade-cards/upgrade-card/why-use-the-upgrade-card-instead-of-a-credit-card/index.html): The Upgrade Card combines the flexibility of a credit card with the predictability of a personal loan. Each Upgrade Card balance has a fixed rate and term, s... (184 words, Nov 25, 2025) - [Why are you asking for my personal information? - Help Center](/content/help/credit-health/overview/why-are-you-asking-for-my-personal-information/index.html): We only ask for basic information that we need to pull your credit report from TransUnion to provide you with your personalized Credit Health information. Au... (50 words, Nov 25, 2025) - [Is collateral required to get a personal loan or an Upgrade Card? - Help Center](/content/help/application-process/applying-for-account/is-collateral-required-to-get-a-personal-loan-or-an-upgrade-card.html): Most personal loans are unsecured, where you don’t have to put up any kind of collateral and can avoid any lengthy appraisal and approval process. In some ca... (99 words, Nov 25, 2025) - [I'm interested in working for Upgrade, are there any available positions? - Help Center](/content/help/about-upgrade/overview/i-m-interested-in-working-for-upgrade-are-there-any-available-positions.html): If you are interested in working for Upgrade , please visit our Careers page for a list of available positions in our Phoenix and San Francisco locations. (132 words, Nov 25, 2025) - [Where can I check the status of my application? - Help Center](/content/help/application-process/applying-for-account/where-can-i-check-the-status-of-my-application/index.html): To check the status of your application, please log in to your Upgrade Account to access your Account Summary. Please make sure that you have completed all i... (79 words, Nov 25, 2025) - [Does Upgrade offer discounts for Active Duty Military servicemembers? - Help Center](/content/help/about-upgrade/overview/does-upgrade-offer-discounts-for-active-duty-military-servicemembers.html): Loans obtained through Upgrade and Retail Installment Sale Contracts assigned to Upgrade comply with the Servicemember Civil Relief Act (SCRA). Under SCRA re... (109 words, Nov 25, 2025) - [How much can I save with Upgrade Shopping? - Help Center](/content/help/upgrade-shopping/shopping-rewards/how-much-can-i-save-with-upgrade-shopping/index.html): Each deal comes with its own merchant terms, including a discount or savings, set by the merchant. When you click on an offer, you’ll see the specific terms,... (65 words, Nov 25, 2025) - [What is Save My Paycheck? - Help Center](/content/help/deposit-checking-savings/deposit/what-is-save-my-paycheck/index.html): Save My Paycheck is a feature of your Rewards Checking Preferred account that helps you automate your savings by setting aside a portion of each direct depos... (98 words, Nov 25, 2025) - [What is the credit limit of an Upgrade OneCard with Secured Account? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard-with-secured-account/what-is-the-credit-limit-of-an-upgrade-onecard-with-secured-account.html): The amount deposited in the Secured Account sets the credit limit for your card, with a maximum credit limit of $5,000. Additionally, you can unlock up to $5... (110 words, Nov 25, 2025) - [Upgrade OneCard Details (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/upgrade-onecard-details/index.html): Customers who link their Rewards Checking Preferred account through Upgrade to the Pay Now feature of their Upgrade OneCard, maintain a positive available ba... (1,528 words, Nov 25, 2025) - [Are there any fees associated with my Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking-plus-preferred/are-there-any-fees-associated-with-my-rewards-checking-plus-preferred-account.html): There are no overdraft fees, annual fees, or fees to use an AllPoint® ATM. Optional out-of-network ATM withdrawals are subject to a fee of $2.50, plus any th... (103 words, Nov 25, 2025) - [Are there any annual fees associated with the Performance Savings account? - Help Center](/content/help/deposit-checking-savings/performance-savings/are-there-any-annual-fees-associated-with-the-performance-savings-account.html): There are no annual fees associated with the Performance Savings account. (22 words, Nov 25, 2025) - [Will Upgrade tell me when my friends open an account? - Help Center](/content/help/refer-a-friend-bonuses/refer-a-friend/will-upgrade-tell-me-when-my-friends-open-an-account.html): No, due to the confidential nature of the process, we cannot disclose information about qualifying accounts opened by the friends you invite. (32 words, Nov 25, 2025) - [How do I know if I qualify for a Premier Savings account through Upgrade? - Help Center](/content/help/deposit-checking-savings/premier-savings/how-do-i-know-if-i-qualify-for-a-premier-savings-account-through-upgrade.html): The Premier Savings account through Upgrade is a stand-alone account, meaning anyone can apply for a Premier Savings account. (33 words, Nov 25, 2025) - [How can I access money in my Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/how-can-i-access-money-in-my-everyday-savings-account.html): To access the funds in your Everyday Savings account, you can initiate an ACH transfer to your linked external bank accounts or an internal transfer to your... (142 words, Nov 25, 2025) - [How do I successfully capture images of my check for Mobile Deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-do-i-successfully-capture-images-of-my-check-for-mobile-deposit.html): Prepare Check Make sure the transaction does not exceed your deposit limits. Detach the check from any check stub or cover letter Sign and endorse the back o... (101 words, Nov 25, 2025) - [Auto Secured Loan: Can I apply if my vehicle is jointly owned? - Help Center](/content/help/personal-loan/auto-secured-loan/auto-secured-loan-can-i-apply-if-my-vehicle-is-jointly-owned.html): Great news! You are eligible to apply for an Upgrade auto secured loan if your vehicle is jointly owned. Upon application submission, we’ll request the follo... (109 words, Nov 25, 2025) - [What are the benefits of Cashout Auto Refinance? - Help Center](/content/help/personal-loan/personal-loan/what-are-the-benefits-of-cashout-auto-refinance/index.html): A secured personal loan through Upgrade would combine your monthly auto payment and your Upgrade loan into one fixed monthly payment. You could also save mon... (100 words, Nov 25, 2025) - [Can I pay off my loan early? - Help Center](/content/help/account-management-payments/payments-billing/can-i-pay-off-my-loan-early/index.html): Yes. You can pay off your full loan balance at any time with no extra fees or prepayment penalties. To pay off your loan or to check what your payoff amount... (202 words, Nov 25, 2025) - [Where do you get my credit summary and credit information? - Help Center](/content/help/credit-health/overview/where-do-you-get-my-credit-summary-and-credit-information.html): We partner with TransUnion to access your credit report, which gives us the information to compile your Upgrade Credit Health summary. This is a summary of y... (176 words, Nov 25, 2025) - [Can a personal loan or Upgrade OneCard be used for school? - Help Center](/content/help/application-process/applying-for-account/can-a-personal-loan-or-upgrade-card-be-used-for-school.html): Personal loans and Upgrade OneCards cannot be used for any post-secondary education expenses. This includes, but is not limited to, tuition, room and board,... (73 words, Nov 25, 2025) - [What products are available through Upgrade? - Help Center](/content/help/about-upgrade/overview/what-products-are-available-through-upgrade/index.html): Upgrade offers access to Personal Loans and Auto Refinance Loans , Upgrade Cards , Checking and Savings accounts as well as credit monitoring and educational... (552 words, Nov 25, 2025) - [Is it safe to fill out an online application? - Help Center](/content/help/privacy-security/overview/is-it-safe-to-fill-out-an-online-application/index.html): Protecting your personal information is very important to us. To protect your personal information from unauthorized access and use, we maintain security mea... (53 words, Nov 25, 2025) - [How do I change my contact information? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-change-my-contact-information/index.html): If you wish to change your contact details such as your personal mailing address and phone number, please contact our team by calling our toll-free line at (... (50 words, Nov 25, 2025) - [How does the Custodial Deposit Program work for Upgrade Secured OneCard Account? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard-with-secured-account/how-does-the-custodial-deposit-program-work-for-upgrade-onecard-with-secured-account.html): When you sign up for the Upgrade OneCard, you will also open a Secured Savings account, a limited-purpose, limited-function savings account at Cross River Ba... (983 words, Nov 25, 2025) - [How do I change the PIN for my Upgrade Visa® Debit Card? - Help Center](/content/help/deposit-checking-savings/deposit/how-do-i-change-the-pin-for-my-upgrade-visa-debit-card.html): You can change your debit card PIN online by following these steps: Sign in to your Account Dashboard. From the homepage, select the More tab. Select Manage... (48 words, Nov 25, 2025) - [Can I cancel my scheduled payment? - Help Center](/content/help/account-management-payments/payments-billing/can-i-cancel-my-scheduled-payment/index.html): You can cancel a scheduled one-time payment directly through your account dashboard by following the steps listed below: Sign in to your Upgrade Account Sele... (144 words, Nov 25, 2025) - [How do I know I qualify for a Performance Savings account? - Help Center](/content/help/deposit-checking-savings/performance-savings/how-do-i-know-i-qualify-for-a-performance-savings-account.html): The Performance Savings account is paired with your Rewards Checking Preferred account. By qualifying for the Rewards Checking Preferred account, you are eli... (40 words, Nov 25, 2025) - [How long will it take to receive my Upgrade Card? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/how-long-will-it-take-to-receive-my-upgrade-onecard.html): Please allow 7-10 business days from the time your application is approved to receive your card. (32 words, Nov 25, 2025) - [Are there any annual fees associated with the Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/are-there-any-annual-fees-associated-with-the-premier-savings-account.html): There are no annual fees associated with the Premier Savings account. (22 words, Nov 25, 2025) - [Can I close my Everyday Savings account and keep my Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/can-i-close-my-everyday-savings-account-and-keep-my-rewards-checking-account.html): Yes. The Everyday Savings account can be closed without having to close the Rewards Checking Preferred account. (31 words, Nov 25, 2025) - [What happens if my deposit exceeds my Check Deposit limits? - Help Center](/content/help/deposit-checking-savings/rewards-checking/what-happens-if-my-deposit-exceeds-my-mobile-deposit-limits.html): If your deposit exceeds your limits, an error message will appear and prevent you from completing the deposit. If you’re having trouble completing a deposit... (69 words, Nov 25, 2025) - [Upgrade: New Mexico - Help Center](/content/help/upgrade-inc-state-licenses-and-consumer-information/state-licenses-and-consumer-information/upgrade-new-mexico/index.html): “New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 2510... (54 words, Nov 25, 2025) - [Auto Secured Loan: What does collateral mean? - Help Center](/content/help/personal-loan/auto-secured-loan/auto-secured-loan-what-does-collateral-mean/index.html): Collateral is something of value that you own. When you take out a loan with collateral attached, you're guaranteeing your repayment with the value of the co... (34 words, Nov 25, 2025) - [What rates are offered on the Upgrade Card? - Help Center](/content/help/upgrade-cards/upgrade-card/what-rates-are-offered-on-the-upgrade-card/index.html): Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% based on creditworthiness. The lowest rates require Autopay. For example, a $1,000 car... (193 words, Nov 25, 2025) - [How often is my information updated? - Help Center](/content/help/credit-health/overview/how-often-is-my-information-updated/index.html): Once enrolled in Credit Health, you can refresh your credit information and VantageScore every 7 days. Your refreshed Credit Health information and score wil... (87 words, Nov 25, 2025) - [Is it safe to set up ACH payments or link my bank account with Upgrade? - Help Center](/content/help/privacy-security/overview/is-it-safe-to-set-up-ach-payments-or-link-my-bank-account-with-upgrade.html): Protecting your personal information is very important to us. To protect your personal information from unauthorized access and use, we maintain security mea... (52 words, Nov 25, 2025) - [What is Upgrade? - Help Center](/content/help/about-upgrade/overview/what-is-upgrade/index.html): Upgrade is a financial technology company that provides access to affordable and responsible credit to mainstream consumers through cards and personal loans... (324 words, Nov 25, 2025) - [How do I change my bank account information? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-change-my-bank-account-information/index.html): If you wish to change your bank account information, please follow the following steps: Click here to sign into your Upgrade Account. At the top right of the... (133 words, Nov 25, 2025) - [Why weren’t you able to retrieve my credit report? - Help Center](/content/help/application-process/applying-for-account/why-weren-t-you-able-to-retrieve-my-credit-report/index.html): A credit check was performed when you started the application based on the name, address, and birthday you provided. If there are any mistakes in these facto... (122 words, Nov 25, 2025) - [Is the Upgrade Secured OneCard reported to the credit bureaus? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard-with-secured-account/is-the-upgrade-secured-onecard-reported-to-the-credit-bureaus.html): Yes, the Upgrade Secured OneCard is designed to help customers build credit responsibly by using a secured deposit to set the card’s credit limit. Payment hi... (60 words, Nov 25, 2025) - [Can I add a beneficiary to my checking/savings account? - Help Center](/content/help/deposit-checking-savings/deposit/can-i-add-a-beneficiary-to-my-checking-savings-account.html): At this time, we are unable to add beneficiaries. (18 words, Nov 25, 2025) - [How do I activate my Upgrade Card? - Help Center](/content/help/upgrade-cards/onecard/how-do-i-activate-my-onecard/index.html): It’s fast and easy to activate your card. Activate it online or by phone now, so you can use it today. Sign in to your Account Dashboard to activate your car... (53 words, Nov 25, 2025) - [What is a VantageScore? - Help Center](/content/help/credit-health/overview/what-is-a-vantagescore/index.html): There are hundreds of credit scoring models, but the main scoring models that are used by 90% of lenders are FICO Score® and VantageScore®. [i] VantageScore... (100 words, Nov 25, 2025) - [Is there a maximum amount I can keep in my Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/is-there-a-maximum-amount-i-can-keep-in-my-premier-savings-account.html): There is no cap or maximum to the amount of money you can keep in the Premier Savings account. However, funds are only FDIC insured up to the applicable limi... (280 words, Nov 25, 2025) - [Can I keep my Everyday Savings account if I close my Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/can-i-keep-my-everyday-savings-account-if-i-close-my-rewards-checking-account.html): The Everyday Savings account can be kept open if you close your Rewards Checking Preferred account. (152 words, Nov 25, 2025) - [Where can I see my Mobile Deposit limits? - Help Center](/content/help/deposit-checking-savings/rewards-checking/where-can-i-see-my-mobile-deposit-limits/index.html): Select Deposit from the bottom menu on the Upgrade mobile app and then tap the Deposit Limits link. (26 words, Nov 25, 2025) - [Auto Secured Loan: Which cars are acceptable to use as collateral? - Help Center](/content/help/personal-loan/auto-secured-loan/auto-secured-loan-which-cars-are-acceptable-to-use-as-collateral.html): Most passenger car makes and models can be used as collateral for a personal loan. To qualify, your car must be: Less than 20 years old A personal car (no bu... (107 words, Nov 25, 2025) - [Debt Settlement Companies - Help Center](/content/help/account-management-payments/payments-billing/debt-settlement-companies/index.html): If you’re experiencing a hardship or having problems making your payments, we strongly encourage you to contact Upgrade before enrolling with a debt settleme... (470 words, Nov 25, 2025) - [How are the rates fixed on an Upgrade Card? - Help Center](/content/help/upgrade-cards/upgrade-card/how-are-the-rates-fixed-on-an-upgrade-card/index.html): Each Upgrade card balance has a fixed rate and term so you’ll know how much you need to budget each month and can circle a date on your calendar when the amo... (132 words, Nov 25, 2025) - [How does Credit Health calculate my credit score? - Help Center](/content/help/credit-health/overview/how-does-credit-health-calculate-my-credit-score/index.html): Credit Health uses the credit bureau TransUnion to pull your credit history via your credit report and show you your VantageScore 3.0 Credit Score. (32 words, Nov 25, 2025) - [Personal Loan: What are the benefits of a personal loan through Upgrade? - Help Center](/content/help/personal-loan/personal-loan/personal-loan-what-are-the-benefits-of-a-personal-loan-through-upgrade.html): A personal loan through Upgrade can help you accomplish your financial goals. You can use a personal loan to consolidate debt into one easy monthly payment,... (306 words, Nov 25, 2025) - [How do I change my password? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-change-my-password/index.html): If you wish to change your password, please follow the following steps: Click here to sign into your Upgrade Account. At the top right of the page, click on... (129 words, Nov 25, 2025) - [How do I complete my To-Do List? - Help Center](/content/help/application-process/applying-for-account/how-do-i-complete-my-to-do-list/index.html): Once you've completed your online application, you'll also need to complete your To-Do List. This is a list of action items you'll need to complete so that w... (101 words, Nov 25, 2025) - [Why do you need my bank account information? - Help Center](/content/help/application-process/applying-for-account/why-do-you-need-my-bank-account-information/index.html): For personal loans, we require a verifiable bank account in order to process your application so we can send your funds directly to that account upon approva... (85 words, Nov 25, 2025) - [What is an origination fee? - Help Center](/content/help/about-upgrade/overview/what-is-an-origination-fee/index.html): All personal loans obtained through Upgrade have a 1.85% to 9.99% origination fee, which is only charged when you receive a loan. Once your loan is approved,... (110 words, Nov 25, 2025) - [What is an Adverse Action Notice? - Help Center](/content/help/application-process/applying-for-account/what-is-an-adverse-action-notice/index.html): An Adverse Action Notice is to inform you that you have been denied credit based on information in your credit report and/or other information we obtained an... (116 words, Nov 25, 2025) - [How can I wire funds into my checking or savings account? - Help Center](/content/help/deposit-checking-savings/deposit/how-can-i-wire-funds-into-my-checking-or-savings-account.html): Wiring funds into your checking or savings account is easy! Simply provide the following details to the other financial institution: Account Number: found on... (76 words, Nov 25, 2025) - [Does the Performance Savings account offer overdraft protection? - Help Center](/content/help/deposit-checking-savings/performance-savings/does-the-performance-savings-account-offer-overdraft-protection.html): You will not be able to overdraw from your Performance Savings account because you will not be able to initiate a transfer in any amount greater than your cu... (38 words, Nov 25, 2025) - [Can I switch my Upgrade OneCard purchases between Pay Now and Pay Later? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/can-i-switch-my-onecard-purchases-between-pay-now-and-pay-later.html): Yes you can! Between the purchase date and the following day at 12pm PT, you may change your purchase from Pay Now to Pay Later or vice versa. If you would l... (100 words, Nov 25, 2025) - [How does the Custodial Deposit Program work for Premier Savings? - Help Center](/content/help/deposit-checking-savings/premier-savings/how-does-the-custodial-deposit-program-work-for-premier-savings.html): Click here if you’re looking for Custodial Deposit Program for Upgrade OneCard with secured savings account. This page describes how the Custodial Deposit Pr... (1,009 words, Nov 25, 2025) - [Does the Everyday Savings account offer overdraft protection? - Help Center](/content/help/deposit-checking-savings/everyday-savings/does-the-everyday-savings-account-offer-overdraft-protection.html): You will not be able to overdraw from your Everyday Savings account because you will not be able to initiate a transfer in any amount greater than your curre... (38 words, Nov 25, 2025) - [Are there limits to deposits using Check Deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking/are-there-limits-to-deposits-using-mobile-deposit/index.html): We may impose limits on your eligibility to use Check Deposit, the dollar amount or number of deposits you make or other limits in our sole discretion based... (122 words, Nov 25, 2025) - [Auto Secured Loan: Will you take my car if I'm approved for an auto secured loan? - Help Center](/content/help/personal-loan/auto-secured-loan/auto-secured-loan-will-you-take-my-car-if-i-m-approved-for-an-auto-secured-loan.html): You can keep driving your car just as you do today. During the final stages of your loan application process, we'll ask you to send in your car's certificate... (140 words, Nov 25, 2025) - [Are there any fees to use the Upgrade Card? - Help Center](/content/help/upgrade-cards/upgrade-card/are-there-any-fees-to-use-the-upgrade-card/index.html): Optional cash transfers to your bank account and balance transfers will be subject to a fee of up to 5% of the transaction amount and foreign transactions wi... (140 words, Nov 25, 2025) - [How do I pay back the balance on my Upgrade Card? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-pay-back-the-balance-on-my-upgrade-card/index.html): You’ll receive a monthly statement through your dashboard that will combine the monthly payments from all of your previous draws into one monthly payment. Le... (41 words, Nov 25, 2025) - [Why do you need my social security number? - Help Center](/content/help/privacy-security/overview/why-do-you-need-my-social-security-number/index.html): We require your social security number to process your application and verify your identity. Protecting your personal information is very important to us. To... (59 words, Nov 25, 2025) - [I forgot my password - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-reset-my-password/index.html): Follow these steps if you forgot your password: Before you start: Make sure you have access to the email address associated with your account. If you have mu... (279 words, Nov 25, 2025) - [How do I complete and submit my 4506-T form? - Help Center](/content/help/application-process/applying-for-account/how-do-i-complete-and-submit-my-4506-t-form/index.html): To complete your 4506-T form, download it HERE and fill out Lines 1a through 3 using information that matches your 1040 Tax Form exactly, including your full... (82 words, Nov 25, 2025) - [Where can I find my routing and account numbers for my bank account? - Help Center](/content/help/application-process/applying-for-account/where-can-i-find-my-routing-and-account-numbers-for-my-bank-account.html): Your routing and account numbers are located on the bottom of your checks. The first nine digits are your routing number. The digits following your routing n... (77 words, Nov 25, 2025) - [Does being denied damage my credit score? - Help Center](/content/help/application-process/applying-for-account/does-being-denied-damage-my-credit-score/index.html): No, being denied doesn't impact your credit score. When you check your rate at Upgrade, we perform a soft inquiry on your credit report. A soft inquiry will... (87 words, Nov 25, 2025) - [How can I access money in my Performance Savings account? - Help Center](/content/help/deposit-checking-savings/performance-savings/how-can-i-access-money-in-my-performance-savings-account.html): To access the funds in your Performance Savings account, you can initiate an ACH transfer to your linked external bank accounts or an internal transfer to yo... (152 words, Nov 25, 2025) - [How long will it take to transfer funds from my savings account to my checking account through Upgrade? - Help Center](/content/help/deposit-checking-savings/deposit/how-long-will-it-take-to-transfer-funds-from-my-savings-account-to-my-checking-account-through-upgrade.html): Transfers between your Performance Savings and Rewards Checking Preferred accounts through Upgrade are instant and will be available in your Rewards Checking... (45 words, Nov 25, 2025) - [Do I have the option to have my Pay Now pulled from my bank account at the point of sale? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/do-i-have-the-option-to-have-my-pay-now-pulled-from-my-bank-account-at-the-point-of-sale.html): All purchases made using your Upgrade OneCard are booked against the personal credit line. This enables you to earn rewards on all purchases, regardless of w... (103 words, Nov 25, 2025) - [How long will it take for my deposited funds to reflect in my Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/how-long-will-it-take-for-my-deposited-funds-to-reflect-in-my-premier-savings-account.html): Deposits initiated externally and transferred to your savings account by wire or ACH will be made available immediately on receipt. Deposit ACH transfers to... (79 words, Nov 25, 2025) - [How long will it take to receive my card in the mail? - Help Center](/content/help/deposit-checking-savings/everyday-savings/how-long-will-it-take-to-receive-my-card-in-the-mail.html): The Everyday Savings account will not be associated with a physical card. However, your Rewards Checking Preferred account will be associated with the Visa D... (46 words, Nov 25, 2025) - [How can I access the Mobile Deposit service? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-can-i-access-the-mobile-deposit-service/index.html): The Mobile Deposit service is available through the Upgrade mobile app. To download the Upgrade mobile app: iOS Android When using the Mobile Deposit service... (56 words, Nov 25, 2025) - [Are there any foreign transaction fees when I use my Upgrade Card internationally? - Help Center](/content/help/upgrade-cards/upgrade-card/are-there-any-foreign-transaction-fees-when-i-use-my-upgrade-card-internationally.html): If you choose to use your card for foreign transactions, you will be charged a foreign transaction fee of up to three (3) percent of the transaction amount,... (78 words, Nov 25, 2025) - [Auto Secured Loan: What documents are required to get an auto secured personal loan? - Help Center](/content/help/personal-loan/auto-secured-loan/auto-secured-loan-what-documents-are-required-to-get-an-auto-secured-personal-loan.html): Once you're approved for an auto secured loan, you'll need to send in some documents before your funds can be deposited. To ensure your loan is processed in... (218 words, Nov 25, 2025) - [Is there any benefit in paying off my personal loan or Upgrade Card early? - Help Center](/content/help/account-management-payments/payments-billing/is-there-any-benefit-in-paying-off-my-personal-loan-or-upgrade-card-early.html): Personal loans and Upgrade Cards do not have any prepayment fees, so you can pay off your balance at any time. If you choose to pay off early , the total cos... (60 words, Nov 25, 2025) - [How do I obtain a free copy of my credit report? - Help Center](/content/help/credit-health/overview/how-do-i-obtain-a-free-copy-of-my-credit-report/index.html): Under the Fair Credit Reporting Act (FCRA), you have the right to obtain a free copy of your credit report, once every 12 months, from the three major credit... (88 words, Nov 25, 2025) - [What is the difference between Annual Percentage Rate (APR) and the Interest Rate? - Help Center](/content/help/application-process/applying-for-account/what-is-the-difference-between-annual-percentage-rate-apr-and-the-interest-rate.html): The difference between your annual percentage rate (APR) versus your interest rate is the one-time origination fee that’s included in your annual percentage... (113 words, Nov 25, 2025) - [Should I put my gross or net income on the application? - Help Center](/content/help/application-process/applying-for-account/should-i-put-my-gross-or-net-income-on-the-application.html): The type of income we review depends on the type of work you do. If you are considered a W-2 employee , Upgrade asks for your individual gross income or the... (164 words, Nov 25, 2025) - [What is the Path to Line Increase program? - Help Center](/content/help/credit-health/overview/what-is-the-path-to-line-increase-program/index.html): Customers who open an Upgrade Card with a credit line of $2,000 or less, are eligible to enroll in the Upgrade Card Path to Line Increase program. Path to Li... (132 words, Nov 25, 2025) - [Are there any ATM fees associated with the Upgrade OneCard? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/are-there-any-atm-fees-associated-with-the-onecard/index.html): You can use your Upgrade OneCard at all 55,000 AllpointⓇ Network ATMs nationwide with no ATM fees. Find the nearest Allpoint ATM . If you use an ATM outside... (75 words, Nov 25, 2025) - [How do I open a Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking-plus-preferred/how-do-i-open-a-rewards-checking-preferred-account/index.html): Opening a Rewards Checking Preferred account is easy and can be done completely online via upgrade.com or the Upgrade app. Complete an application, including... (92 words, Nov 25, 2025) - [What are the transfer limits on my Performance Savings account? - Help Center](/content/help/deposit-checking-savings/performance-savings/what-are-the-transfer-limits-on-my-performance-savings-account.html): ACH transfers initiated through your account dashboard to or from an external account are subject to limits on the number of transfers (“Count Limits”) and l... (260 words, Nov 25, 2025) - [What is Early Direct Deposit? - Help Center](/content/help/deposit-checking-savings/deposit/what-is-early-direct-deposit/index.html): Early direct deposit allows eligible customers who receive their paycheck through direct deposit access to their funds up to 2 days early. In order to take a... (140 words, Nov 25, 2025) - [How can I access the money in my Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/how-can-i-access-the-money-in-my-premier-savings-account.html): To access the funds in your Premier Savings account, you can initiate an ACH transfer to your linked external bank accounts (or if you have a Rewards Checkin... (151 words, Nov 25, 2025) - [Are there any annual fees associated with the Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/are-there-any-annual-fees-associated-with-the-everyday-savings-account.html): There are no annual fees associated with the Everyday Savings account. (22 words, Nov 25, 2025) - [Are there any fees to use Mobile Deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking/are-there-any-fees-to-use-mobile-deposit/index.html): No, we charge no fees for depositing a check using Mobile Deposit. (20 words, Nov 25, 2025) - [Auto Secured Loan: What is a limited power of attorney? - Help Center](/content/help/personal-loan/auto-secured-loan/auto-secured-loan-what-is-a-limited-power-of-attorney.html): The limited power of attorney (LPOA) form authorizes Upgrade to place a lien on your car's title. State and local motor vehicle agencies require this form to... (84 words, Nov 25, 2025) - [What’s the difference between the Upgrade Card and a personal loan? - Help Center](/content/help/upgrade-cards/upgrade-card/what-s-the-difference-between-the-upgrade-card-and-a-personal-loan.html): The Upgrade Card combines the flexibility of a credit card with the predictability of a personal loan. You can use your Upgrade Card to make purchases online... (210 words, Nov 25, 2025) - [What are your business hours? - Help Center](/content/help/about-upgrade/overview/what-are-your-business-hours/index.html): Our normal business hours are Monday - Friday 5AM - 7PM PT, Saturday & Sunday 6AM - 5PM PT. Our offices may be closed on certain major holidays (Christmas, N... (46 words, Nov 25, 2025) - [Will checking my rate for a personal loan impact my credit score? - Help Center](/content/help/application-process/applying-for-account/will-checking-my-rate-impact-my-credit-score/index.html): Checking your rate won’t impact your credit score. When you check your rate to see what offer(s) you may qualify for, we perform a soft inquiry on your credi... (108 words, Nov 25, 2025) - [Can I include additional income? - Help Center](/content/help/application-process/applying-for-account/can-i-include-additional-income/index.html): Yes, in your application you may include supplemental sources of income that you haven’t identified as individual income. This might include wages from a sec... (71 words, Nov 25, 2025) - [How do I cancel my application? - Help Center](/content/help/application-process/applying-for-account/how-do-i-cancel-my-application/index.html): We hope that we can provide the products and services to help you accomplish your financial goals. However, if you would like to cancel your application, you... (60 words, Nov 25, 2025) - [What is the Path to Approval program? - Help Center](/content/help/credit-health/overview/what-is-the-path-to-approval-program/index.html): If you applied for an Upgrade Card and did not receive an offer, you may be eligible to enroll in the Upgrade Path to Approval program. Path to Approval is a... (195 words, Nov 25, 2025) - [When will I receive my interest payment for my Performance Savings account? - Help Center](/content/help/deposit-checking-savings/performance-savings/when-will-i-receive-my-interest-payment-for-my-performance-savings-account.html): Interest will be deposited into your account each month on the first (1st) calendar day of the month for interest accrued in the month prior (Example - inter... (68 words, Nov 25, 2025) - [Does the Premier Savings account offer overdraft protection? - Help Center](/content/help/deposit-checking-savings/premier-savings/does-the-premier-savings-account-offer-overdraft-protection.html): You will not be able to overdraw from your Premier Savings account because you will not be able to initiate a transfer in any amount greater than your availa... (38 words, Nov 25, 2025) - [Is there a maximum amount I can keep in the Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/is-there-a-maximum-amount-i-can-keep-in-the-everyday-savings-account.html): There is no cap or maximum to the amount of money you can keep in the Everyday Savings account. However, funds are only FDIC insured up to the applicable lim... (121 words, Nov 25, 2025) - [How will I be informed about my Mobile Deposit progress and any issues? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-will-i-be-informed-about-my-mobile-deposit-progress-and-any-issues.html): Once you've submitted the deposit, you'll immediately receive an email notification confirming that we've received your deposit request. You’ll also receive... (90 words, Nov 25, 2025) - [How can I initiate an outgoing wire transfer from my deposit account? - Help Center](/content/help/deposit-checking-savings/deposit/how-can-i-initiate-an-outgoing-wire-transfer-from-my-deposit-account.html): To initiate an outgoing wire transfer request: Access your account dashboard HERE . Navigate to the Transfer tab Select Wire Transfer Select the account you’... (79 words, Nov 25, 2025) - [Auto Secured Loan: What's a notary and where can I find one? - Help Center](/content/help/personal-loan/auto-secured-loan/auto-secured-loan-what-s-a-notary-and-where-can-i-find-one.html): For your protection, some states require you to sign the LPOA in the presence of a notary. A notary or Notary Public is a public official that is designated... (116 words, Nov 25, 2025) - [Why choose an Upgrade Card instead of a home equity line of credit (HELOC)? - Help Center](/content/help/upgrade-cards/upgrade-card/why-choose-an-upgrade-card-instead-of-a-home-equity-line-of-credit-heloc.html): With an Upgrade Card, you don't have to use your home as collateral or spend a lot of time going through the lengthy home application, appraisal, and approva... (223 words, Nov 25, 2025) - [How do joint applications work? - Help Center](/content/help/application-process/applying-for-account/how-do-joint-applications-work/index.html): Applying for a personal loan with another person may help you qualify for more money or a better rate. With a joint application, the credit profiles of both... (71 words, Nov 25, 2025) - [How do I change my Upgrade OneCard ATM PIN? (Accounts opened before April 6, 2026) - Help Center](/content/help/upgrade-cards/onecard/how-do-i-change-my-onecard-atm-pin/index.html): You can change your Upgrade OneCard or Secured Upgrade OneCard PIN online by following these steps: Sign in to your Account Dashboard Select your Upgrade One... (54 words, Nov 25, 2025) - [Can I open a joint checking/savings account? - Help Center](/content/help/deposit-checking-savings/deposit/can-i-open-a-joint-checking-savings-account/index.html): Yes! Head to the Rewards Checking Preferred page to start your application. I f you’re eligible, you’ll be given the option to add a joint account holder. Pl... (177 words, Nov 25, 2025) - [Will I receive a card with my Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/will-i-receive-a-card-with-my-premier-savings-account.html): The Premier Savings account will not be associated with a physical card. However, you can access your money by transferring your funds to a linked external c... (38 words, Nov 25, 2025) - [What is the minimum balance requirement for the Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/what-is-the-minimum-balance-requirement-for-the-everyday-savings-account.html): There is no minimum balance required to keep your account open and active. (24 words, Nov 25, 2025) - [When will my check funds be available when using Mobile Deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking/when-will-my-check-funds-be-available-when-using-mobile-deposit.html): If you deposit your check on a business day (weekdays excluding holidays) prior to 3pm Eastern Time , your deposit will be processed the same day and we will... (187 words, Nov 25, 2025) - [How long will it take to receive my Upgrade Card? - Help Center](/content/help/upgrade-cards/upgrade-card/how-long-will-it-take-to-receive-my-upgrade-card/index.html): Please allow 7-10 business days from the time your application is approved to receive your card. (26 words, Nov 25, 2025) - [I am seeing errors when I access Credit Health, what do I do? - Help Center](/content/help/credit-health/overview/i-am-seeing-errors-when-i-access-credit-health-what-do-i-do.html): Please contact Upgrade’s customer support toll-free at ( 844)-319-3909 , Monday - Friday 5AM - 7PM PT, Saturday & Sunday 6AM - 5PM PT, or email us at support... (139 words, Nov 25, 2025) - [Where do I locate the actual amount that will be placed in my bank account after the origination fee? - Help Center](/content/help/account-management-payments/payments-billing/where-do-i-locate-the-actual-amount-that-will-be-placed-in-my-bank-account-after-the-origination-fee.html): Once your loan is approved, a one-time origination fee will be deducted from your total loan amount before the funds are sent to you. In most cases, the loan... (121 words, Nov 25, 2025) - [ACH Return Fee & Inactivity Fee - Help Center](/content/help/deposit-checking-savings/deposit/ach-return-fee-inactivity-fee/index.html): ACH Return Fee What is the ACH Return Fee? The ACH Return Fee is a $6 charge that occurs when an inbound transfer, initiated through the Upgrade app or websi... (464 words, Nov 25, 2025) - [How does the Custodial Deposit Program work for Performance Savings? - Help Center](/content/help/deposit-checking-savings/performance-savings/how-does-the-custodial-deposit-program-work-for-performance-savings.html): This page describes how the Custodial Deposit Program works for Performance Savings, a savings account at Cross River Bank, Member FDIC. It includes (1) an o... (1,089 words, Nov 25, 2025) - [How do I deposit funds into my Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/how-do-i-deposit-funds-into-my-premier-savings-account.html): Wire Transfer If you’re looking to deposit a large amount of money and need access to it quickly, consider sending it via a wire transfer. You can direct a t... (275 words, Nov 25, 2025) - [How do I deposit funds into my Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/how-do-i-deposit-funds-into-my-everyday-savings-account.html): You can fund your Everyday Savings account by transferring funds instantly from your Rewards Checking Preferred account. Funds may also be deposited directly... (48 words, Nov 25, 2025) - [What types of checks are accepted with Check Deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking/what-types-of-checks-are-accepted-with-mobile-deposit.html): Check Deposit accepts checks from U.S. financial institutions, in U.S. dollars. The following items are eligible for mobile deposit: Personal checks Business... (153 words, Nov 25, 2025) - [How do I activate my card? - Help Center](/content/help/upgrade-cards/upgrade-card/how-do-i-activate-my-card/index.html): It’s fast and easy to activate your card. Activate it online or by phone now, so you can use it today. Sign in to your Account Dashboard to activate your car... (52 words, Nov 25, 2025) - [I logged in and enrolled in Credit Health, but cannot access my score, what do I do? - Help Center](/content/help/credit-health/overview/i-logged-in-and-enrolled-in-credit-health-but-cannot-access-my-score-what-do-i-do.html): Please contact Upgrade’s Customer Support team by calling our toll-free at 844-319-3909 Monday - Friday 5AM - 7PM PT, Saturday & Sunday 6AM - 5PM PT, or emai... (48 words, Nov 25, 2025) - [Are there any prepayment fees? - Help Center](/content/help/account-management-payments/payments-billing/are-there-any-prepayment-fees/index.html): Personal loans and Upgrade Cards do not have any prepayment fees, so you can pay off your balance at any time. (26 words, Nov 25, 2025) - [Personal Loan: What is the typical loan process through Upgrade? - Help Center](/content/help/personal-loan/personal-loan/personal-loan-what-is-the-typical-loan-process-through-upgrade.html): We hope you’ll find the Upgrade process simple, straightforward, and seamless. With a personal loan through Upgrade, you can expect to: Check Your Rate: It o... (414 words, Nov 25, 2025) - [Can I keep my Performance Savings account if I close my checking account through Upgrade? - Help Center](/content/help/deposit-checking-savings/performance-savings/can-i-keep-my-performance-savings-account-if-i-close-my-checking-account-through-upgrade.html): No, your Performance Savings account through Upgrade is a companion savings that is paired with your Rewards Checking Preferred account through Upgrade. It m... (49 words, Nov 25, 2025) - [When will I receive my interest payments for my Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/when-will-i-receive-my-interest-payments-for-my-premier-savings-account.html): Interest will be directly deposited into your account monthly on the first calendar day of the month for interest accrued in the month prior (e.g. interest a... (66 words, Nov 25, 2025) - [Can I add a joint holder to my Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/can-i-add-a-joint-holder-to-my-everyday-savings-account.html): Joint options may be an option in the future, but at this moment only single account holders are allowed. (30 words, Nov 25, 2025) - [What is Mobile Deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking/what-is-mobile-deposit/index.html): Mobile Deposit allows you to deposit eligible checks via the Upgrade mobile app by capturing check images in compliance with our requirements and transmittin... (40 words, Nov 25, 2025) - [How long does it take for my credit score to change? - Help Center](/content/help/credit-health/overview/how-long-does-it-take-for-my-credit-score-to-change.html): It depends on when your Lender updates your account information with the credit bureaus. Many Lenders update your account information once a month, so, it co... (95 words, Nov 25, 2025) - [When is my first monthly payment due? - Help Center](/content/help/account-management-payments/payments-billing/when-is-my-first-monthly-payment-due/index.html): Your first payment will be due one month after the funds have been issued to your bank account, and your following payments will be due on the same day of ea... (177 words, Nov 25, 2025) - [Are there any fees associated with receiving a new debit card? - Help Center](/content/help/deposit-checking-savings/deposit/are-there-any-fees-associated-with-receiving-a-new-debit-card.html): No, a new debit card is provided to you for no additional cost. (24 words, Nov 25, 2025) - [Where can I find my virtual debit card number? - Help Center](/content/help/deposit-checking-savings/rewards-checking/where-can-i-find-my-virtual-debit-card-number/index.html): If you currently have a virtual card, you can see your virtual debit card number by: Access your account dashboard HERE . Click on the More tab. Click on Man... (48 words, Nov 25, 2025) - [Can I close my Performance Savings account and keep my Rewards Checking Preferred account through Upgrade? - Help Center](/content/help/deposit-checking-savings/performance-savings/can-i-close-my-performance-savings-account-and-keep-my-rewards-checking-preferred-or-rewards-checking-plus-account-through-upgrade.html): Yes, you can. Please keep in mind that some enhanced benefits may require you to have both accounts, so closing your Performance Savings account will forfeit... (49 words, Nov 25, 2025) - [When will I receive my interest payment? - Help Center](/content/help/deposit-checking-savings/everyday-savings/when-will-i-receive-my-interest-payment/index.html): Interest will be directly deposited into your account monthly on the first (1st) calendar day of the month for interest accrued in the month prior (e.g. inte... (62 words, Nov 25, 2025) - [Can I use my Upgrade Card at an ATM? - Help Center](/content/help/upgrade-cards/upgrade-card/can-i-use-my-upgrade-card-at-an-atm/index.html): Except for Upgrade OneCard, you cannot receive cash through an ATM or receive cash back with purchases made using the Upgrade Card at retail locations. You c... (78 words, Nov 25, 2025) - [How do I correct inaccuracies on my credit report? - Help Center](/content/help/credit-health/overview/how-do-i-correct-inaccuracies-on-my-credit-report/index.html): If you find an inaccuracy in your credit report or are using Upgrade’s credit health tool and notice inaccurate reporting with a non-Upgrade account, contact... (214 words, Nov 25, 2025) - [Am I able to pay by phone? - Help Center](/content/help/account-management-payments/payments-billing/am-i-able-to-pay-by-phone/index.html): If you’d like to make a payment by phone, you may contact our Account Servicing team by calling our toll-free line at (844) 899-9931 , Monday - Friday 5AM -... (45 words, Nov 25, 2025) - [Personal Loan: How much can I borrow with a personal loan through Upgrade? - Help Center](/content/help/personal-loan/personal-loan/personal-loan-how-much-can-i-borrow-with-a-personal-loan-through-upgrade.html): Personal loans amounts and other loan terms may vary by state due to state requirements and based on creditworthiness. Minimum loan amounts offered in some s... (88 words, Nov 25, 2025) - [What happens to my current debit card if I received a new one as part of the debit card platform change? - Help Center](/content/help/deposit-checking-savings/deposit/what-happens-to-my-current-debit-card-if-i-received-a-new-one-as-part-of-the-debit-card-platform-change.html): Your current debit card will remain active until you activate your new card or until the deactivation date, which occurs within a few months after your new c... (51 words, Nov 25, 2025) - [What is a virtual debit card? - Help Center](/content/help/deposit-checking-savings/rewards-checking/what-is-a-virtual-debit-card/index.html): A virtual debit card is just like a physical debit card, except that it exists entirely in digital form. Your virtual debit card can be used for online purch... (59 words, Nov 25, 2025) - [Can I make a payment to my Upgrade credit product(s) from my Performance Savings account? - Help Center](/content/help/deposit-checking-savings/performance-savings/can-i-make-a-payment-to-my-upgrade-credit-product-s-from-my-performance-savings-account.html): At this time, you cannot make payments from your Performance Savings account directly to your Upgrade Card or personal loan through Upgrade. However, you can... (72 words, Nov 25, 2025) - [Will applying for a Premier Savings account include a hard inquiry on my credit? - Help Center](/content/help/deposit-checking-savings/premier-savings/will-applying-for-a-premier-savings-account-include-a-hard-inquiry-on-my-credit.html): No hard credit inquiry will be done during the application process for a Premier Savings account. A soft inquiry will be performed, which will not impact you... (43 words, Nov 25, 2025) - [How many Everyday Savings accounts can I have? - Help Center](/content/help/deposit-checking-savings/everyday-savings/how-many-everyday-savings-accounts-can-i-have/index.html): At this time, customers can only have one (1) Everyday Savings account. (20 words, Nov 25, 2025) - [Can I use my Upgrade Card with my phone or device? - Help Center](/content/help/upgrade-cards/upgrade-card/can-i-use-my-upgrade-card-with-my-phone-or-device/index.html): The Upgrade Visa® Card can be added to Apple Pay ® and Google Wallet ™ so you can pay using your device at participating merchants. Apple Pay® is a registere... (59 words, Nov 25, 2025) - [How will I receive my money? - Help Center](/content/help/about-upgrade/overview/how-will-i-receive-my-money/index.html): Once a final approval decision has been made, your funds will be sent directly to your account within one business day. The availability of your funds depend... (77 words, Nov 25, 2025) - [How do I set up my new debit card? - Help Center](/content/help/deposit-checking-savings/deposit/how-do-i-set-up-my-new-debit-card/index.html): To set up your new debit card, follow the steps below: Activate your card - Use the Upgrade app or visit upgrade.com/activate . Set your PIN - Go to your acc... (78 words, Nov 25, 2025) - [What is a 1099-INT? - Help Center](/content/help/deposit-checking-savings/performance-savings/what-is-a-1099-int/index.html): A 1099-INT is a tax form that shows all interest earned in the previous year. If you received more than $10 in interest through your savings accounts opened... (116 words, Nov 25, 2025) - [What are the ACH transfer limits on my Premier Savings account? - Help Center](/content/help/deposit-checking-savings/premier-savings/what-are-the-ach-transfer-limits-on-my-premier-savings-account.html): Premier Savings Accounts have limits for ACH transfers initiated through the Upgrade app or website. Our goal in providing limits is to protect you and your... (186 words, Nov 25, 2025) - [How do I know I qualify for an Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/how-do-i-know-i-qualify-for-an-everyday-savings-account.html): The Everyday Savings account is a new account paired with your Rewards Checking Preferred account. By qualifying for the Rewards Checking Preferred account,... (43 words, Nov 25, 2025) - [How do I dispute a charge on my Upgrade Visa® Debit Card? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-do-i-dispute-a-charge-on-my-upgrade-visa-debit-card.html): We highly recommend that you contact the merchant directly to resolve your issue as it is the quickest way to get your funds returned. If contacting the merc... (132 words, Nov 25, 2025) - [How do I add my Upgrade Card to Apple Pay® or Google Wallet™? - Help Center](/content/help/upgrade-cards/upgrade-card/how-do-i-add-my-upgrade-card-to-apple-pay-or-google-wallet.html): Follow the instructions for Apple Pay and Google Wallet to add your Upgrade Card to the digital wallet of your choice so you can pay with your device at part... (67 words, Nov 25, 2025) - [Can I pay by check? - Help Center](/content/help/account-management-payments/payments-billing/can-i-pay-by-check/index.html): Physical checks are only accepted for payments to an Upgrade credit product and will not be accepted for deposit or account funding. See How can I make a dep... (271 words, Nov 25, 2025) - [Personal Loan: Are there any fees? - Help Center](/content/help/personal-loan/personal-loan/personal-loan-are-there-any-fees/index.html): Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan... (308 words, Nov 25, 2025) - [What is a 1099-INT? - Help Center](/content/help/deposit-checking-savings/premier-savings/what-is-a-1099-int/index.html): A 1099-INT is a tax form that shows all interest earned in the previous year. If you received more than $10 in interest through your Upgrade Savings account... (112 words, Nov 25, 2025) - [Why am I receiving a new debit card? - Help Center](/content/help/deposit-checking-savings/deposit/why-am-i-receiving-a-new-debit-card/index.html): Upgrade is transitioning to a new debit card platform to provide enhanced security features and improved fraud monitoring. Upgrade customers with an existing... (44 words, Nov 25, 2025) - [Will I receive a 1099-INT form for my taxes? - Help Center](/content/help/deposit-checking-savings/performance-savings/will-i-receive-a-1099-int-form-for-my-taxes/index.html): Yes you will! If you earned more than $10 in interest in the previous calendar year from a single savings account, or $10 total from multiple savings account... (110 words, Nov 25, 2025) - [What is the interest rate on the Everyday Savings account? - Help Center](/content/help/deposit-checking-savings/everyday-savings/what-is-the-interest-rate-on-the-everyday-savings-account.html): The Everyday Savings account is a variable rate account. The current Annual Percentage Yield (APY) for the Everyday Savings account is 3.05%. The current int... (38 words, Nov 25, 2025) - [How long will it take to receive my Upgrade Visa® Debit Card? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-long-will-it-take-to-receive-my-upgrade-visa-debit-card.html): After requesting a replacement debit card, you should receive it in the mail in 7–10 business days. (29 words, Nov 25, 2025) - [How do I use my contactless Upgrade Card? - Help Center](/content/help/upgrade-cards/upgrade-card/how-do-i-use-my-contactless-upgrade-card/index.html): When you’re ready to pay at a contactless-enabled terminal, simply move your card over the reader. The card does not need to touch the terminal but should be... (54 words, Nov 25, 2025) - [What is a 1099-INT? - Help Center](/content/help/deposit-checking-savings/everyday-savings/what-is-a-1099-int/index.html): A 1099-INT is a tax form that shows all interest earned in the previous year. If you received more than $10 in interest through your savings accounts opened... (116 words, Nov 25, 2025) - [Will I receive a 1099-INT form for my taxes? - Help Center](/content/help/deposit-checking-savings/premier-savings/will-i-receive-a-1099-int-form-for-my-taxes/index.html): Yes you will! If you earned more than $10 in interest in the previous calendar year from a single savings account, or $10 total from multiple savings account... (110 words, Nov 25, 2025) - [How do I get a replacement Upgrade Visa® Debit Card? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-do-i-get-a-replacement-upgrade-visa-debit-card/index.html): If you lose your debit card or it stops working, please sign in to your Upgrade account and lock your card. You’ll also be able to report your card as lost,... (66 words, Nov 25, 2025) - [What is a draw? - Help Center](/content/help/upgrade-cards/upgrade-card/what-is-a-draw/index.html): A draw is any transaction you make using your Upgrade Card. This includes purchases made online or in person, as well as optional balance or cash transfers,... (80 words, Nov 25, 2025) - [Are the personal loan rates fixed or variable? - Help Center](/content/help/application-process/applying-for-account/are-the-personal-loan-rates-fixed-or-variable/index.html): Loans obtained through Upgrade are fully amortized with a fixed interest rate, which means you'll never have to worry about your rate increasing. Late paymen... (53 words, Nov 25, 2025) - [Will I receive a 1099-INT form for my taxes? - Help Center](/content/help/deposit-checking-savings/everyday-savings/will-i-receive-a-1099-int-form-for-my-taxes/index.html): Yes you will! If you earned more than $10 in interest in the previous calendar year from a single savings account, or $10 total from multiple savings account... (78 words, Nov 25, 2025) - [What if my Upgrade Visa® Debit Card is lost or stolen? - Help Center](/content/help/deposit-checking-savings/rewards-checking/what-if-my-upgrade-visa-debit-card-is-lost-or-stolen.html): We are here to help! If you misplace your debt card or are worried that you’ve lost it, you can lock it in the mobile app or from your account to keep anyone... (137 words, Nov 25, 2025) - [Is there a minimum monthly payment for my Upgrade Card? - Help Center](/content/help/upgrade-cards/upgrade-card/is-there-a-minimum-monthly-payment-for-my-upgrade-card.html): Your monthly payment for your Upgrade Card with a personal credit line will be calculated based on the amounts drawn and terms selected. You may log into you... (59 words, Nov 25, 2025) - [Can I lower my monthly payment? - Help Center](/content/help/account-management-payments/payments-billing/can-i-lower-my-monthly-payment/index.html): Once you select the rate and terms for your offer through Upgrade, you won’t be able to lower your monthly payment. We suggest that you select an offer that... (64 words, Nov 25, 2025) - [Personal Loan: What rates are available on personal loans through Upgrade? - Help Center](/content/help/personal-loan/personal-loan/personal-loan-what-rates-are-available-on-personal-loans-through-upgrade.html): Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan... (186 words, Nov 25, 2025) - [Does my Upgrade Card come with Visa benefits? - Help Center](/content/help/upgrade-cards/upgrade-card/does-my-upgrade-card-come-with-visa-benefits/index.html): All Upgrade Cards come with Roadside Dispatch®, Lost or Stolen Card Reporting, Cardholder Inquiry Services and Visa's Zero Liability Policy.1 The following U... (142 words, Nov 25, 2025) - [What are the transfer limits on my Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking/what-are-the-transfer-limits-on-my-rewards-checking-account.html): ACH transfers initiated through your account dashboard to or from an external account are subject to limits on the number of transfers (“Count Limits”) and l... (204 words, Nov 25, 2025) - [What should I do if my Upgrade Card is expiring soon? - Help Center](/content/help/upgrade-cards/upgrade-card/what-should-i-do-if-my-upgrade-card-is-expiring-soon.html): If your Upgrade Card is expiring, a new card will automatically be mailed to your mailing address on file. You should receive your new card about four weeks... (95 words, Nov 25, 2025) - [Are there any fees associated with my Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking/are-there-any-fees-associated-with-my-rewards-checking-account.html): There are no overdraft fees, annual fees, or fees to use an AllPoint® ATM. Optional out-of-network ATM withdrawals are subject to a fee of $2.50, plus any th... (103 words, Nov 25, 2025) - [How do I find my payoff amount? - Help Center](/content/help/account-management-payments/payments-billing/how-do-i-find-my-payoff-amount/index.html): To check what your payoff amount is, please sign in and visit the “Manage Payments” section of your account. Click the “Payoff Quote” link and select the dat... (72 words, Nov 25, 2025) - [Who do I contact if I'm experiencing technical difficulties with your website? - Help Center](/content/help/about-upgrade/overview/who-do-i-contact-if-i-m-experiencing-technical-difficulties-with-your-website.html): Please contact our Customer Support team by emailing us at support@upgrade.com , or by calling us toll-free at (844) 319-3909 Monday - Friday 5AM - 7PM PT, S... (45 words, Nov 25, 2025) - [How do I transfer an existing balance to my Upgrade Card? - Help Center](/content/help/upgrade-cards/upgrade-card/how-do-i-transfer-an-existing-balance-to-my-upgrade-card.html): A balance transfer is a great way to pay off higher rate credit cards, streamline monthly payments or consolidate credit card balances. You may even pay less... (87 words, Nov 25, 2025) - [Personal Loan: What are the different uses for a personal loan? - Help Center](/content/help/personal-loan/personal-loan/personal-loan-what-are-the-different-uses-for-a-personal-loan.html): A personal loan obtained through Upgrade can be used in a range of ways to accomplish your financial goals. Common uses include, but are not limited to: Payi... (132 words, Nov 25, 2025) - [How do I set up direct deposit? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-do-i-set-up-direct-deposit/index.html): Setting up direct deposit is easy. Start by signing into your account and clicking “Set Up Direct Deposit” From here, you have two options: You can set up di... (79 words, Nov 25, 2025) - [How do I report my Upgrade Card lost or stolen? - Help Center](/content/help/upgrade-cards/upgrade-card/how-do-i-report-my-upgrade-card-lost-or-stolen/index.html): You can report your Upgrade Card either lost or stolen on your Upgrade Account Dashboard by selecting “Report a Card Issue’ or by calling Upgrade at (877) 41... (46 words, Nov 25, 2025) - [Can I apply for another personal loan through Upgrade? - Help Center](/content/help/application-process/applying-for-account/can-i-apply-for-another-personal-loan-through-upgrade.html): Thank you for your interest in getting another personal loan through Upgrade. We consider a variety of factors to determine if you qualify for an additional... (73 words, Nov 25, 2025) - [How do I add money to my Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-do-i-add-money-to-my-rewards-checking-account/index.html): There are several ways to add money to your Rewards Checking Preferred account! Direct Deposit The easiest way to fund your account is to set up direct depos... (157 words, Nov 25, 2025) - [How do I dispute a purchase or report a transaction I don’t recognize on my Upgrade Card? - Help Center](/content/help/upgrade-cards/upgrade-card/how-do-i-dispute-a-purchase-or-report-a-transaction-i-don-t-recognize-on-my-upgrade-card.html): If you identify a charge or charges on your recent transactions that you don't recognize, you should review the following pieces of information to confirm if... (359 words, Nov 25, 2025) - [Upgrade Card Details - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-card-details/index.html): Rates, Fees and Terms Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% based on creditworthiness. The lowest rates require Autopay. For... (321 words, Nov 25, 2025) - [Do I receive statements for my Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking/do-i-receive-statements-for-my-rewards-checking-account.html): Yes, statements are available a few days after the start of each month. Sign in to your Rewards Checking Preferred account and scroll to the Statements secti... (42 words, Nov 25, 2025) - [Upgrade MyFive Cash Rewards Card Details - Up to $1,500 in Quarterly Spend - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-myfive-cash-rewards-card-details-up-to-1-500-in-quarterly-spend.html): Purchases in your selected merchant category, up to $1,500 each quarter, accrue 5% cash back when you pay them back; all other purchases accrue 1% cash back... (906 words, Nov 25, 2025) - [How do I find my Rewards Checking routing and account number? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-do-i-find-my-rewards-checking-routing-and-account-number.html): Your account information, including your routing and account number, are accessible online. Simply log in to your Rewards Checking Preferred account and tap... (40 words, Nov 25, 2025) - [Are there any late fees? - Help Center](/content/help/account-management-payments/payments-billing/are-there-any-late-fees/index.html): For personal loans , if your payment is not received within 15 calendar days of your due date, a late fee may apply. For Auto Finance accounts, if your payme... (115 words, Nov 25, 2025) - [Upgrade MyFive Cash Rewards Card Details - Up to $3,000 in Quarterly Spend - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-myfive-cash-rewards-card-details-up-to-3-000-in-quarterly-spend.html): Purchases in your selected merchant category, up to $3,000 each quarter, accrue 5% cash back when you pay them back; all other purchases accrue 1% cash back... (900 words, Nov 25, 2025) - [How do I open a Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking/how-do-i-open-a-rewards-checking-account/index.html): Opening a Rewards Checking Preferred account is easy and can be done completely online. Tell us a little bit about yourself so we can verify your identity. S... (133 words, Nov 25, 2025) - [COVID-19 help for Upgrade customers - Help Center](/content/help/account-management-payments/payments-billing/covid-19-help-for-upgrade-customers/index.html): If you are experiencing a hardship or having trouble making your payments due to COVID-19 (coronavirus), Upgrade is here for you. Please sign in to your Upgr... (112 words, Nov 25, 2025) - [Upgrade Select Card Details - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-select-card-details/index.html): Rates, Fees and Terms Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 21.96% - 29.99% based on creditworthiness. Balance transf... (419 words, Nov 25, 2025) - [Upgrade Select Card Details - No Annual Fee for the First Year - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-select-card-details-no-annual-fee-for-the-first-year.html): Rates, Fees and Terms Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 21.96% - 29.99% based on creditworthiness. Balance transf... (441 words, Nov 25, 2025) - [Does Rewards Checking Preferred have a mobile app? - Help Center](/content/help/deposit-checking-savings/rewards-checking/does-rewards-checking-have-a-mobile-app/index.html): Yes. Rewards Checking Preferred customers can access their account on the go with Upgrade mobile app. The Upgrade mobile app supports Apple users with an iPh... (49 words, Nov 25, 2025) - [Upgrade Triple Cash Rewards Card Details - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-triple-cash-rewards-card-details/index.html): Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them back; all other purchases accrue 1% with no maximum. Get more informatio... (920 words, Nov 25, 2025) - [Upgrade Triple Cash Rewards Card Details - 3% Cash Back - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-triple-cash-rewards-card-details-3-cash-back.html): Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them back; purchases made outside of these categories do not accrue cash back... (924 words, Nov 25, 2025) - [Can anybody have a Rewards Checking Preferred account? - Help Center](/content/help/deposit-checking-savings/rewards-checking/can-anybody-have-a-rewards-checking-account/index.html): Almost! Rewards Checking Preferred accounts are available to U.S. citizens and permanent residents currently living in the U.S. You must be at least 18 years... (61 words, Nov 25, 2025) - [Upgrade Cash Rewards Card Details - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-cash-rewards-card-details/index.html): Purchases accrue unlimited 1.5% cash back when you pay them back. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, p... (361 words, Nov 25, 2025) - [Upgrade Unlimited Cash Rewards Card Details - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-unlimited-cash-rewards-card-details/index.html): Purchases accrue unlimited 1% cash back when you pay them back. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, ple... (358 words, Nov 25, 2025) - [Upgrade Cash Rewards Elite Card Details - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-cash-rewards-elite-card-details/index.html): Purchases accrue unlimited 2.2% cash back when you pay them back. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, p... (492 words, Nov 25, 2025) - [Upgrade Life Rewards Card Details - Help Center](/content/help/upgrade-cards/upgrade-card/upgrade-life-rewards-card-details/index.html): Purchases in Gas, Grocery, Streaming, and Utilities categories accrue 3% cash back with no maximum when you pay them back (excluding Target and Walmart); all... (651 words, Nov 25, 2025) - [Welcome Bonus Offer Details: Spend in Select Merchant Categories and/or With Your Digital Wallet - Help Center](/content/help/upgrade-cards/upgrade-card/welcome-bonus-offer-details-spend-in-select-merchant-categories-and-or-with-your-digital-wallet.html): To qualify for the bonus, you must 1) make $200 in total Upgrade Card purchases, in any combination: a) using your digital wallet for purchases in any catego... (224 words, Nov 25, 2025) - [Financing a Home Improvement Project During a Pandemic](/content/credit-health/insights/financing-a-home-improvement-project-during-a-pandemic.html): Now may be the time to tackle that home improvement project. We walk you through how to pay for your dream project during a pandemic. (1,572 words, Oct 30, 2025) - [Financing a Home Improvement Project During a Pandemic](/content/en-ca/credit-health/insights/financing-a-home-improvement-project-during-a-pandemic.html): Now may be the time to tackle that home improvement project. We walk you through how to pay for your dream project during a pandemic. (1,555 words, Oct 30, 2025) - [The Complete Guide to Understanding and Improving Your Credit Score](/content/credit-health/insights/complete-guide-to-credit-scores/index.html): Understanding the basics of your credit health can help you keep your credit score on track. Here’s our complete guide to credit scores and how to improve yours. (3,652 words, Oct 30, 2025) - [The Complete Guide to Understanding and Improving Your Credit Score](/content/en-ca/credit-health/insights/complete-guide-to-credit-scores/index.html): Understanding the basics of your credit health can help you keep your credit score on track. Here’s our complete guide to credit scores and how to improve yours. (3,603 words, Oct 30, 2025) - [A Fast Way to Get a Cash Advance (Hint: It’s Not a Credit Card)](/content/credit-health/insights/a-fast-way-to-get-a-cash-advance-hint-it-s-not-a-credit-card.html): Need cash quickly? Discover the fastest ways to get a cash advance, plus a fee-free alternative with Boost Money™ Boost Cash™. (674 words, Oct 30, 2025) - [A Fast Way to Get a Cash Advance (Hint: It’s Not a Credit Card)](/content/en-ca/credit-health/insights/a-fast-way-to-get-a-cash-advance-hint-it-s-not-a-credit-card.html): Need cash quickly? Discover the fastest ways to get a cash advance, plus a fee-free alternative with Boost Money™ Boost Cash™. (636 words, Oct 30, 2025) - [Common Borrower Pitfalls and How to Avoid Them](/content/credit-health/insights/common-borrower-pitfalls-and-how-to-avoid-them/index.html): Refinancing your high interest-debt or funding a major expense with a fixed rate personal loan can be a wise decision. Stay on track and avoid these common pitfalls so you can make the most of your new loan. (747 words, Oct 30, 2025) - [Credit Score vs. Credit Report: What's the Difference?](/content/credit-health/insights/credit-basics-credit-score-vs-credit-report/index.html): The first step to achieving strong credit health is understanding your credit score and credit report. Here are the basics you need to know about each. (1,152 words, Oct 30, 2025) - [Credit Score vs. Credit Report: What's the Difference?](/content/en-ca/credit-health/insights/credit-basics-credit-score-vs-credit-report/index.html): The first step to achieving strong credit health is understanding your credit score and credit report. Here are the basics you need to know about each. (1,155 words, Oct 30, 2025) - [Welcome to Upgrade's Credit Health Insights](/content/credit-health/insights/welcome-upgrades-credit-health-insights/index.html): Check out our series of posts to get started understanding your credit health, unlock your full credit potential, and enjoy the best rates. (403 words, Oct 30, 2025) - [Your Credit During a Pandemic or Other Uncertain Times ](/content/credit-health/insights/your-credit-during-a-pandemic-or-other-uncertain-times.html): Proactive steps to protect your credit and your finances in response to the COVID-19 pandemic or other economic uncertainties. (1,074 words, Oct 30, 2025) - [Your Credit During a Pandemic or Other Uncertain Times ](/content/en-ca/credit-health/insights/your-credit-during-a-pandemic-or-other-uncertain-times.html): Proactive steps to protect your credit and your finances in response to the COVID-19 pandemic or other economic uncertainties. (1,051 words, Oct 30, 2025) - [Your New Year Financial Action Plan](/content/credit-health/insights/new-year-action-plan/index.html): The beginning of the year is a great time to assess where you are and where you want to be so you can set your financial goals for the year ahead. (2,484 words, Oct 30, 2025) - [Your New Year Financial Action Plan](/content/en-ca/credit-health/insights/new-year-action-plan/index.html): The beginning of the year is a great time to assess where you are and where you want to be so you can set your financial goals for the year ahead. (834 words, Oct 30, 2025) - [ Does Debt Consolidation Hurt Your Credit? ](/content/credit-health/insights/will-debt-consolidation-hurt-my-credit/index.html): Debt consolidation can improve your monthly payments and your credit score, but only if you stick to your plan and stay on track. (931 words, Oct 30, 2025) - [ Does Debt Consolidation Hurt Your Credit? ](/content/en-ca/credit-health/insights/will-debt-consolidation-hurt-my-credit/index.html): Debt consolidation can improve your monthly payments and your credit score, but only if you stick to your plan and stay on track. (931 words, Oct 30, 2025) - [Why You Should Have a Buy Now, Pay Later Budget](/content/credit-health/insights/why-you-should-have-a-buy-now-pay-later-budget/index.html): Buy now pay later companies give you an additional purchasing option, but budgeting for this new type of payment is key to using it responsibly. (1,157 words, Oct 30, 2025) - [Why You Should Have a Buy Now, Pay Later Budget](/content/en-ca/credit-health/insights/why-you-should-have-a-buy-now-pay-later-budget/index.html): Buy now pay later companies give you an additional purchasing option, but budgeting for this new type of payment is key to using it responsibly. (1,162 words, Oct 30, 2025) - [Why You Need An Emergency Fund](/content/credit-health/insights/why-you-need-an-emergency-fund/index.html): There are many reasons you should have an emergency fund, but where do you start if you don’t have one yet? Here’s our step-by-step guide to build your own. (534 words, Oct 30, 2025) - [Why You Need An Emergency Fund](/content/en-ca/credit-health/insights/why-you-need-an-emergency-fund/index.html): There are many reasons you should have an emergency fund, but where do you start if you don’t have one yet? Here’s our step-by-step guide to build your own. (524 words, Oct 30, 2025) - [Why "Buy Now, Pay Later" Can Be a Smart Strategy in Uncertain Times](/content/credit-health/insights/why-buy-now-pay-later-can-be-a-smart-strategy-in-uncertain-times.html): Discover how Buy Now, Pay Later (BNPL) can offer flexibility and financial relief during tough economic times. Learn when and how to use it wisely. (698 words, Oct 30, 2025) - [Why "Buy Now, Pay Later" Can Be a Smart Strategy in Uncertain Times](/content/en-ca/credit-health/insights/why-buy-now-pay-later-can-be-a-smart-strategy-in-uncertain-times.html): Discover how Buy Now, Pay Later (BNPL) can offer flexibility and financial relief during tough economic times. Learn when and how to use it wisely. (566 words, Oct 30, 2025) - [When to Refinance a Personal Loan](/content/credit-health/insights/when-to-refinance-a-personal-loan/index.html): Wondering when to refinance a personal loan? Learn the best times to refinance, how it can save you money on interest, and when it might not be worth it. (764 words, Oct 30, 2025) - [When to Refinance a Personal Loan](/content/en-ca/credit-health/insights/when-to-refinance-a-personal-loan/index.html): Wondering when to refinance a personal loan? Learn the best times to refinance, how it can save you money on interest, and when it might not be worth it. (745 words, Oct 30, 2025) - [What To Do if You Are Declined for Credit](/content/credit-health/insights/what-to-do-if-you-are-declined-for-credit/index.html): You applied for a personal loan and your application was declined. Now what? Check out these 6 steps to get you back on track to getting the funding you need. (1,660 words, Oct 30, 2025) - [What To Do if You Are Declined for Credit](/content/en-ca/credit-health/insights/what-to-do-if-you-are-declined-for-credit/index.html): You applied for a personal loan and your application was declined. Now what? Check out these 6 steps to get you back on track to getting the funding you need. (1,795 words, Oct 30, 2025) - [FDIC Insurance: What It Is and How It Works](/content/credit-health/insights/what-is-fdic-insurance-and-how-does-it-work/index.html): When your money is FDIC-insured, you enjoy peace of mind that your money is safe and secure. Learn how FDIC insurance works, the FDIC insurance limit, and why it matters. (922 words, Oct 30, 2025) - [FDIC Insurance: What It Is and How It Works](/content/en-ca/credit-health/insights/what-is-fdic-insurance-and-how-does-it-work/index.html): When your money is FDIC-insured, you enjoy peace of mind that your money is safe and secure. Learn how FDIC insurance works, the FDIC insurance limit, and why it matters. (921 words, Oct 30, 2025) - [What Is APY? A Simple Guide to Annual Percentage Yield](/content/credit-health/insights/what-is-apy-a-simple-guide-to-annual-percentage-yield.html): Learn what APY (Annual Percentage Yield) means, how it’s calculated, and why it matters for your savings. Understand the difference between APY and interest rate so your money can work smarter. (509 words, Oct 30, 2025) - [What Is APY? A Simple Guide to Annual Percentage Yield](/content/en-ca/credit-health/insights/what-is-apy-a-simple-guide-to-annual-percentage-yield.html): Learn what APY (Annual Percentage Yield) means, how it’s calculated, and why it matters for your savings. Understand the difference between APY and interest rate so your money can work smarter. (509 words, Oct 30, 2025) - [What is APR? A Simple Guide to Understanding Annual Percentage Rate](/content/credit-health/insights/what-is-apr-a-simple-guide-to-understanding-annual-percentage-rate.html): What is APR? We explore the definition of APR and break down the impact it can have on your finances. (680 words, Oct 30, 2025) - [What is APR? A Simple Guide to Understanding Annual Percentage Rate](/content/en-ca/credit-health/insights/what-is-apr-a-simple-guide-to-understanding-annual-percentage-rate.html): What is APR? We explore the definition of APR and break down the impact it can have on your finances. (680 words, Oct 30, 2025) - [What Is an Installment Loan?](/content/credit-health/insights/what-is-an-installment-loan/index.html): Is an installment loan the right option for you? Here’s what you need to know about installment loans and how to apply for one online. (1,195 words, Oct 30, 2025) - [What Is an Installment Loan?](/content/en-ca/credit-health/insights/what-is-an-installment-loan/index.html): Is an installment loan the right option for you? Here’s what you need to know about installment loans and how to apply for one online. (1,195 words, Oct 30, 2025) - [What Is a High-Yield Savings Account?](/content/credit-health/insights/what-is-a-high-yield-savings-account/index.html): A high-yield savings account has a few key features that differentiate it from a traditional savings account. Learn more and see if it’s a good fit for you. (1,246 words, Oct 30, 2025) - [What Is a High-Yield Savings Account?](/content/en-ca/credit-health/insights/what-is-a-high-yield-savings-account/index.html): A high-yield savings account has a few key features that differentiate it from a traditional savings account. Learn more and see if it’s a good fit for you. (1,263 words, Oct 30, 2025) - [What Is a Good Credit Score?](/content/en-ca/credit-health/insights/what-is-a-good-credit-score/index.html): What is a good credit score to strive for? Learn all about the credit score range, why your score is important, and steps you can take to improve it. (1,726 words, Oct 30, 2025) - [What Is a Cash Advance?](/content/credit-health/insights/what-is-a-cash-advance/index.html): A cash advance is a short-term loan that lets you borrow money quickly. Learn how cash advances work, what they cost, and where to get one. (710 words, Oct 30, 2025) - [What Is a Cash Advance?](/content/en-ca/credit-health/insights/what-is-a-cash-advance/index.html): A cash advance is a short-term loan that lets you borrow money quickly. Learn how cash advances work, what they cost, and where to get one. (706 words, Oct 30, 2025) - [What Credit Score Is Needed for a Personal Loan?](/content/credit-health/insights/what-credit-score-is-needed-for-a-personal-loan/index.html): Find out the credit score you may need for a personal loan. Learn the minimum score lenders may require, how your credit score affects approval and rates, and tips to qualify. (664 words, Oct 30, 2025) - [What Credit Score Is Needed for a Personal Loan?](/content/en-ca/credit-health/insights/what-credit-score-is-needed-for-a-personal-loan/index.html): Find out the credit score you may need for a personal loan. Learn the minimum score lenders may require, how your credit score affects approval and rates, and tips to qualify. (664 words, Oct 30, 2025) - [7 Ways to Use Your Tax Refund Wisely](/content/credit-health/insights/ways-to-use-your-tax-refund-wisely/index.html): Knowing the best ways to use your tax refund can help you get on a better financial track. Put your tax refund to work with these 7 tips. (831 words, Oct 30, 2025) - [7 Ways to Use Your Tax Refund Wisely](/content/en-ca/credit-health/insights/ways-to-use-your-tax-refund-wisely/index.html): Knowing the best ways to use your tax refund can help you get on a better financial track. Put your tax refund to work with these 7 tips. (783 words, Oct 30, 2025) - [Watch Out For These Credit Report Errors!](/content/credit-health/insights/watch-out-for-these-credit-report-errors/index.html): Over one-third of Americans have at least one mistake on their credit report. Keep an eye out for these specific errors! (967 words, Oct 30, 2025) - [Watch Out For These Credit Report Errors!](/content/en-ca/credit-health/insights/watch-out-for-these-credit-report-errors/index.html): Over one-third of Americans have at least one mistake on their credit report. Keep an eye out for these specific errors! (947 words, Oct 30, 2025) - [Upgrade Card: Revolving or Installment Credit?](/content/credit-health/insights/upgrade-card-revolving-or-installment-credit/index.html): Upgrade Card is a unique type of card that offers cash back perks and flexibility. Learn what makes Upgrade Card different from other cards. (831 words, Oct 30, 2025) - [Upgrade Card: Revolving or Installment Credit?](/content/en-ca/credit-health/insights/upgrade-card-revolving-or-installment-credit/index.html): Upgrade Card is a unique type of card that offers cash back perks and flexibility. Learn what makes Upgrade Card different from other cards. (822 words, Oct 30, 2025) - [5 Ways to Pay for Unexpected Expenses](/content/credit-health/insights/smart-money/unexpected-expenses/index.html): Life is full of surprises, including unexpected expenses that can blow even the best-laid budget plans. (1,121 words, Oct 30, 2025) - [5 Ways to Pay for Unexpected Expenses](/content/credit-health/insights/unexpected-expenses/index.html): Life is full of surprises, including unexpected expenses that can blow even the best-laid budget plans. (1,121 words, Oct 30, 2025) - [5 Ways to Pay for Unexpected Expenses](/content/en-ca/credit-health/insights/smart-money/unexpected-expenses/index.html): Life is full of surprises, including unexpected expenses that can blow even the best-laid budget plans. (1,121 words, Oct 30, 2025) - [5 Ways to Pay for Unexpected Expenses](/content/en-ca/credit-health/insights/unexpected-expenses/index.html): Life is full of surprises, including unexpected expenses that can blow even the best-laid budget plans. (1,120 words, Oct 30, 2025) - [The True Cost of Minimum Payments](/content/credit-health/insights/the-true-cost-of-minimum-payments/index.html): Paying only the minimum amount due on your credit card may seem like a manageable strategy, but doing so can cost you more than you realize in the long run. (592 words, Oct 30, 2025) - [The True Cost of Minimum Payments](/content/en-ca/credit-health/insights/the-true-cost-of-minimum-payments/index.html): Paying only the minimum amount due on your credit card may seem like a manageable strategy, but doing so can cost you more than you realize in the long run. (592 words, Oct 30, 2025) - [The Link Between Money & Mental Health](/content/credit-health/insights/the-link-between-money-mental-health/index.html): Your mind and your money are intrinsically linked. By improving one, you may be able to improve the other. (1,374 words, Oct 30, 2025) - [The Link Between Money & Mental Health](/content/en-ca/credit-health/insights/the-link-between-money-mental-health/index.html): Your mind and your money are intrinsically linked. By improving one, you may be able to improve the other. (1,341 words, Oct 30, 2025) - [The High Cost of Having Bad Credit](/content/credit-health/insights/the-high-cost-of-having-bad-credit/index.html): A bad credit score can limit your financial options, but it can also cost you money. Here’s what having bad credit can cost you. (1,455 words, Oct 30, 2025) - [The High Cost of Having Bad Credit](/content/en-ca/credit-health/insights/the-high-cost-of-having-bad-credit/index.html): A bad credit score can limit your financial options, but it can also cost you money. Here’s what having bad credit can cost you. (1,455 words, Oct 30, 2025) - [How to Stay Out of Debt for Good](/content/en-ca/credit-health/insights/stay-out-of-debt-for-good/index.html): Chipping away at your debt is a good first step towards financial freedom, and if you’ve made big strides and are almost debt free, you should be proud! The next question is… how do you stay out of debt for the long run? (1,165 words, Oct 30, 2025) - [How to Spring Clean Your Finances](/content/en-ca/credit-health/insights/spring-clean-your-finances/index.html): Your home isn’t the only thing that needs spring cleaning. Follow these steps to spruce up your finances this spring. (1,349 words, Oct 30, 2025) - [Secured vs. Unsecured Loans: Differences, Pros, and Cons](/content/credit-health/insights/secured-vs-unsecured-loans-differences-pros-and-cons.html): Secured and unsecured loans have one major difference: collateral. Read more about the pros and cons of each type of loan and learn which is best for your financial situation. (1,167 words, Oct 30, 2025) - [Secured vs. Unsecured Loans: Differences, Pros, and Cons](/content/en-ca/credit-health/insights/secured-vs-unsecured-loans-differences-pros-and-cons.html): Secured and unsecured loans have one major difference: collateral. Read more about the pros and cons of each type of loan and learn which is best for your financial situation. (1,162 words, Oct 30, 2025) - [How Revolving Credit and Installment Credit Impact Your Credit Score](/content/credit-health/insights/revolving-debt-vs-installment-debt/index.html): Learn about two major credit types, revolving credit and installment credit, how they differ from each other, and their influence on your credit score. (1,160 words, Oct 30, 2025) - [How Revolving Credit and Installment Credit Impact Your Credit Score](/content/en-ca/credit-health/insights/revolving-debt-vs-installment-debt/index.html): Learn about two major credit types, revolving credit and installment credit, how they differ from each other, and their influence on your credit score. (1,156 words, Oct 30, 2025) - [How to Rebuild Credit After A Few Slip-Ups](/content/credit-health/insights/rebuild-credit/index.html): If you’ve made a debt-related mistake, you’re probably wondering how to fix your credit and improve your credit score. We’ll walk through seven common mistakes and discuss how to rebuild credit. (1,416 words, Oct 30, 2025) - [How to Rebuild Credit After A Few Slip-Ups](/content/en-ca/credit-health/insights/rebuild-credit/index.html): If you’ve made a debt-related mistake, you’re probably wondering how to fix your credit and improve your credit score. We’ll walk through seven common mistakes and discuss how to rebuild credit. (1,405 words, Oct 30, 2025) - [Improve Your Credit Score Fast With a Quick Start Budget](/content/credit-health/insights/quick-start-budget/index.html): If you’re striving to improve your credit score and overall financial health, a solid budget is an essential tool. A budget can help boost your credit score and brighten your financial future. (1,177 words, Oct 30, 2025) - [Improve Your Credit Score Fast With a Quick Start Budget](/content/en-ca/credit-health/insights/quick-start-budget/index.html): If you’re striving to improve your credit score and overall financial health, a solid budget is an essential tool. A budget can help boost your credit score and brighten your financial future. (1,177 words, Oct 30, 2025) - [Personal Loan vs Credit Card: Which is Right for You?](/content/credit-health/insights/personal-loan-vs-credit-card-right/index.html): For many people, borrowing comes down to personal loan vs. credit card. Here's how to decide which is right for you. (1,137 words, Oct 30, 2025) - [Personal Loan vs Credit Card: Which is Right for You?](/content/en-ca/credit-health/insights/personal-loan-vs-credit-card-right/index.html): For many people, borrowing comes down to personal loan vs. credit card. Here's how to decide which is right for you. (1,175 words, Oct 30, 2025) - [How to Pay Off Debt Quickly](/content/credit-health/insights/pay-off-debt-quickly/index.html): If you’re trying to manage a heavy debt load, you’re not alone. According to a Northwestern Study, Americans owe an average of $37,000 and many are understandably overwhelmed. Large credit card and loan balances take a big bite out of your available income, causing stress and chipping away at your financial security. (1,370 words, Oct 30, 2025) - [How to Pay Off Debt Quickly](/content/en-ca/credit-health/insights/pay-off-debt-quickly/index.html): If you’re trying to manage a heavy debt load, you’re not alone. According to a Northwestern Study, Americans owe an average of $37,000 and many are understandably overwhelmed. Large credit card and loan balances take a big bite out of your available income, causing stress and chipping away at your financial security. (1,376 words, Oct 30, 2025) - [How to Pay Off Your Credit Cards | Upgrade](/content/credit-health/insights/pay-off-credit-card-debt/index.html): Paying off credit card debt can be difficult to do if you're carrying a large balance Here's how to quickly pay them off. (1,148 words, Oct 30, 2025) - [How to Pay Off Your Credit Cards | Upgrade](/content/en-ca/credit-health/insights/pay-off-credit-card-debt/index.html): Paying off credit card debt can be difficult to do if you're carrying a large balance Here's how to quickly pay them off. (1,148 words, Oct 30, 2025) - [Pay Down Debt or Save?](/content/credit-health/insights/pay-down-debt-or-save/index.html): Becoming debt free is an exciting milestone that many of us are working towards. After all, paying off your debt means you now have extra money each month that you can put to work elsewhere, like building savings and investments that can help you build a brighter future. (1,743 words, Oct 30, 2025) - [Pay Down Debt or Save?](/content/en-ca/credit-health/insights/pay-down-debt-or-save/index.html): Becoming debt free is an exciting milestone that many of us are working towards. After all, paying off your debt means you now have extra money each month that you can put to work elsewhere, like building savings and investments that can help you build a brighter future. (1,744 words, Oct 30, 2025) - [Maintaining Good Credit In Times Of Inflation](/content/credit-health/insights/maintaining-good-credit-in-times-of-inflation/index.html): How does inflation impact your credit? Keep your credit score up even if the cost of living increases. (1,498 words, Oct 30, 2025) - [Maintaining Good Credit In Times Of Inflation](/content/en-ca/credit-health/insights/maintaining-good-credit-in-times-of-inflation/index.html): How does inflation impact your credit? Keep your credit score up even if the cost of living increases. (1,498 words, Oct 30, 2025) - [Key Elements of Financial Health](/content/credit-health/insights/key-elements-of-financial-health/index.html): Making money is one part of financial health, but it’s not everything. See how your credit score, savings, and more create the full picture. (828 words, Oct 30, 2025) - [Key Elements of Financial Health](/content/en-ca/credit-health/insights/key-elements-of-financial-health/index.html): Making money is one part of financial health, but it’s not everything. See how your credit score, savings, and more create the full picture. (810 words, Oct 30, 2025) - [Is Debt Consolidation a Good Idea?](/content/credit-health/insights/is-debt-consolidation-a-good-idea/index.html): Considering consolidating your debt but not sure how it might impact your money? We break down when a debt consolidation loan can be a good idea. (696 words, Oct 30, 2025) - [Is Debt Consolidation a Good Idea?](/content/en-ca/credit-health/insights/is-debt-consolidation-a-good-idea/index.html): Considering consolidating your debt but not sure how it might impact your money? We break down when a debt consolidation loan can be a good idea. 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Check out these tips to protect your finances and your credit when an economic downturn hits. (1,301 words, Oct 30, 2025) - [How to Pay for Your Dream Vacation](/content/credit-health/insights/how-to-pay-for-your-dream-vacation/index.html): Paying for a vacation may seem intimidating, especially if you’ve never planned a big trip before. Follow this guide to make your dream vacation a reality. (963 words, Oct 30, 2025) - [How to Pay for Your Dream Vacation](/content/en-ca/credit-health/insights/how-to-pay-for-your-dream-vacation/index.html): Paying for a vacation may seem intimidating, especially if you’ve never planned a big trip before. Follow this guide to make your dream vacation a reality. (882 words, Oct 30, 2025) - [How to Get the Best Personal Loan Rate| Upgrade](/content/credit-health/insights/how-to-get-the-best-personal-loan-rate/index.html): What’s better than a personal loan? A personal loan with the best rate possible! Check out our 5 tips on how to position yourself for the best rate on a personal loan. (891 words, Oct 30, 2025) - [How to Get the Best Personal Loan Rate| Upgrade](/content/en-ca/credit-health/insights/how-to-get-the-best-personal-loan-rate/index.html): What’s better than a personal loan? A personal loan with the best rate possible! Check out our 5 tips on how to position yourself for the best rate on a personal loan. (891 words, Oct 30, 2025) - [How to Get a Personal Loan: A Quick and Easy Checklist | Upgrade](/content/credit-health/insights/how-to-get-a-personal-loan-a-quick-and-easy-checklist.html): Learn how to get a personal loan by following this simple, 5-step checklist, including how to know if a personal loan is right for you and how to shop around for the best rate. (988 words, Oct 30, 2025) - [How to Get a Personal Loan: A Quick and Easy Checklist | Upgrade](/content/en-ca/credit-health/insights/how-to-get-a-personal-loan-a-quick-and-easy-checklist.html): Learn how to get a personal loan by following this simple, 5-step checklist, including how to know if a personal loan is right for you and how to shop around for the best rate. (984 words, Oct 30, 2025) - [How to Get a Loan for a Home Improvement Project: A Step-by-Step Guide](/content/credit-health/insights/how-to-get-a-loan-for-a-home-improvement-project-a-step-bystep-guide.html): Learn how you could get a home improvement loan in 6 simple steps. Compare loan types, check eligibility, and find the best option to fund your renovation. (710 words, Oct 30, 2025) - [How to Get a Loan for a Home Improvement Project: A Step-by-Step Guide](/content/en-ca/credit-health/insights/how-to-get-a-loan-for-a-home-improvement-project-a-step-bystep-guide.html): Learn how you could get a home improvement loan in 6 simple steps. Compare loan types, check eligibility, and find the best option to fund your renovation. (710 words, Oct 30, 2025) - [How to Evaluate a Personal Loan Offer | Upgrade](/content/credit-health/insights/how-to-evaluate-a-personal-loan-offer/index.html): If you’re shopping around for a personal loan, you might be wondering how to evaluate one or more personal loan offers. Here’s how to find out if you’re getting the best deal for your situation. (995 words, Oct 30, 2025) - [How to Evaluate a Personal Loan Offer | Upgrade](/content/en-ca/credit-health/insights/how-to-evaluate-a-personal-loan-offer/index.html): If you’re shopping around for a personal loan, you might be wondering how to evaluate one or more personal loan offers. Here’s how to find out if you’re getting the best deal for your situation. (779 words, Oct 30, 2025) - [How to Consolidate Credit Card Debt](/content/credit-health/insights/how-to-consolidate-credit-card-debt/index.html): Learn how to consolidate credit card debt with a personal loan or balance transfer. It may help you simplify payments, lower your interest, and boost your credit score. (616 words, Oct 30, 2025) - [How to Consolidate Credit Card Debt](/content/en-ca/credit-health/insights/how-to-consolidate-credit-card-debt/index.html): Learn how to consolidate credit card debt with a personal loan or balance transfer. It may help you simplify payments, lower your interest, and boost your credit score. (611 words, Oct 30, 2025) - [How to Choose A Credit Card](/content/credit-health/insights/how-to-choose-a-credit-card/index.html): If you’re in the market for a new credit card, you might be overwhelmed with your options. Here's a four-step process to help you choose the right card for you. (1,434 words, Oct 30, 2025) - [How to Choose A Credit Card](/content/en-ca/credit-health/insights/how-to-choose-a-credit-card/index.html): If you’re in the market for a new credit card, you might be overwhelmed with your options. Here's a four-step process to help you choose the right card for you. (1,444 words, Oct 30, 2025) - [How to Build Credit History (Even If You're Starting From Scratch) ](/content/credit-health/insights/how-to-build-credit/index.html): Learn how to build credit history from scratch with proven strategies like opening secured credit card accounts, obtaining a loan, and other helpful credit habits. (1,078 words, Oct 30, 2025) - [How to Build Credit History (Even If You're Starting From Scratch) ](/content/en-ca/credit-health/insights/how-to-build-credit/index.html): Learn how to build credit history from scratch with proven strategies like opening secured credit card accounts, obtaining a loan, and other helpful credit habits. (1,069 words, Oct 30, 2025) - [How to Build An Emergency Fund](/content/credit-health/insights/how-to-build-an-emergency-fund/index.html): An emergency fund is useful for many reasons, but where do you start if you don’t have one yet? Follow this step-by-step guide and start building your emergency fund. (1,312 words, Oct 30, 2025) - [How to Build An Emergency Fund](/content/en-ca/credit-health/insights/how-to-build-an-emergency-fund/index.html): An emergency fund is useful for many reasons, but where do you start if you don’t have one yet? Follow this step-by-step guide and start building your emergency fund. (1,312 words, Oct 30, 2025) - [How to Avoid Personal Loan Scams | Upgrade](/content/credit-health/insights/how-to-avoid-personal-loan-scams/index.html): Learn how to avoid personal loan scams. Identify red flags like "guaranteed" approval and upfront fee demands to protect your identity and finances. (1,014 words, Oct 30, 2025) - [How to Avoid Personal Loan Scams | Upgrade](/content/en-ca/credit-health/insights/how-to-avoid-personal-loan-scams/index.html): Learn how to avoid personal loan scams. Identify red flags like "guaranteed" approval and upfront fee demands to protect your identity and finances. (1,119 words, Oct 30, 2025) - [How to Avoid Overspending on that Big Purchase or Project ](/content/credit-health/insights/how-to-avoid-overspending-on-that-big-purchase-or-project.html): Simple tips to help you make the most of your personal loan and avoid going over budget on your project. 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Fees, Interest, and Charges Explained](/content/credit-health/insights/how-much-can-cash-advances-cost-fees-interest-and-charges-explained.html): Learn how much common cash advance loans typically costs, including fees, interest rates, and hidden charges. Understand the true price and explore low-cost alternatives. (587 words, Oct 30, 2025) - [How Much Can Cash Advances Cost? Fees, Interest, and Charges Explained](/content/en-ca/credit-health/insights/how-much-can-cash-advances-cost-fees-interest-and-charges-explained.html): Learn how much common cash advance loans typically costs, including fees, interest rates, and hidden charges. Understand the true price and explore low-cost alternatives. (588 words, Oct 30, 2025) - [How Many Credit Cards Should You Have? | Upgrade](/content/credit-health/insights/how-many-credit-cards-should-you-have/index.html): Wondering how many credit cards you should have? Learn how the right number of credit cards depends on your goals. (638 words, Oct 30, 2025) - [How Many Credit Cards Should You Have? | Upgrade](/content/en-ca/credit-health/insights/how-many-credit-cards-should-you-have/index.html): Wondering how many credit cards you should have? Learn how the right number of credit cards depends on your goals. (640 words, Oct 30, 2025) - [How Many Credit Cards Is Too Many? | Upgrade](/content/credit-health/insights/how-many-credit-cards-is-too-many/index.html): Wondering how many credit cards is too many? Learn how multiple credit cards can affect your credit score, the risks of overextending, and how to help manage them wisely. (810 words, Oct 30, 2025) - [How Many Credit Cards Is Too Many? | Upgrade](/content/en-ca/credit-health/insights/how-many-credit-cards-is-too-many/index.html): Wondering how many credit cards is too many? Learn how multiple credit cards can affect your credit score, the risks of overextending, and how to help manage them wisely. (796 words, Oct 30, 2025) - [How Long Does Information Stay on My Credit Report?](/content/credit-health/insights/how-long-does-information-stay-on-my-credit-report/index.html): Your credit report is a compilation of information about your credit history that is used to create your credit score. (1,363 words, Oct 30, 2025) - [How Long Does Information Stay on My Credit Report?](/content/en-ca/credit-health/insights/how-long-does-information-stay-on-my-credit-report/index.html): Your credit report is a compilation of information about your credit history that is used to create your credit score. (1,353 words, Oct 30, 2025) - [How Long Do Late Payments Stay on a Credit Report? ](/content/credit-health/insights/how-long-do-late-payments-stay-on-a-credit-report/index.html): Wondering how long late payments stay on your credit report? Learn the 7-year rule, how it affects your credit, and how to bounce back with smart strategies. (1,004 words, Oct 30, 2025) - [How Long Do Late Payments Stay on a Credit Report? ](/content/en-ca/credit-health/insights/how-long-do-late-payments-stay-on-a-credit-report/index.html): Wondering how long late payments stay on your credit report? Learn the 7-year rule, how it affects your credit, and how to bounce back with smart strategies. (1,008 words, Oct 30, 2025) - [How Late Payments Impact your Credit](/content/credit-health/insights/how-late-payments-impact-your-credit/index.html): Late payments can harm your credit score. Learn why they're damaging to your score and get tips to avoid late payments in the future. (984 words, Oct 30, 2025) - [How Late Payments Impact your Credit](/content/en-ca/credit-health/insights/how-late-payments-impact-your-credit/index.html): Late payments can harm your credit score. Learn why they're damaging to your score and get tips to avoid late payments in the future. 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(1,573 words, Oct 30, 2025) - [Soft Inquiry vs Hard Inquiry: What’s the Difference and Why It Matters](/content/credit-health/insights/hard-inquiries-vs-soft-inquiries-whats-the-difference.html): Learn the difference between soft and hard credit inquiries, how each affects your credit score, and how to protect your credit when applying for loans or checking rates. (574 words, Oct 30, 2025) - [Soft Inquiry vs Hard Inquiry: What’s the Difference and Why It Matters](/content/en-ca/credit-health/insights/hard-inquiries-vs-soft-inquiries-whats-the-difference.html): Learn the difference between soft and hard credit inquiries, how each affects your credit score, and how to protect your credit when applying for loans or checking rates. (578 words, Oct 30, 2025) - [Where Do I Get My Credit Report?](/content/credit-health/insights/get-credit-report/index.html): Checking your credit score regularly and reviewing your credit report annually are good habits that will help you stay on top of your credit and financial wellness. (922 words, Oct 30, 2025) - [Where Do I Get My Credit Report?](/content/en-ca/credit-health/insights/get-credit-report/index.html): Checking your credit score regularly and reviewing your credit report annually are good habits that will help you stay on top of your credit and financial wellness. (922 words, Oct 30, 2025) - [Fixed vs. Variable Interest Rates: What’s the Difference?](/content/credit-health/insights/fixed-rate-vs-variable-rate/index.html): These are the differences between fixed and variable rate loans and credit cards, including how each works. (689 words, Oct 30, 2025) - [Fixed vs. Variable Interest Rates: What’s the Difference?](/content/en-ca/credit-health/insights/fixed-rate-vs-variable-rate/index.html): These are the differences between fixed and variable rate loans and credit cards, including how each works. (718 words, Oct 30, 2025) - [How to Fix an Error on Your Credit Report | Upgrade](/content/credit-health/insights/fix-error-credit-report/index.html): If you find a mistake or an error on your credit report, there are steps you can take. Here’s our step-by-step guide to fixing an error on your credit report. (585 words, Oct 30, 2025) - [How to Fix an Error on Your Credit Report | Upgrade](/content/en-ca/credit-health/insights/fix-error-credit-report/index.html): If you find a mistake or an error on your credit report, there are steps you can take. Here’s our step-by-step guide to fixing an error on your credit report. (587 words, Oct 30, 2025) - [Why It’s Time to Consolidate Your Credit Card Debt](/content/credit-health/insights/fed-raising-interest-rates/index.html): When interest rates rise, consolidating credit card debt is a great way to save money. Here’s what you need to know about how debt consolidation can help. (843 words, Oct 30, 2025) - [Why It’s Time to Consolidate Your Credit Card Debt](/content/en-ca/credit-health/insights/fed-raising-interest-rates/index.html): When interest rates rise, consolidating credit card debt is a great way to save money. Here’s what you need to know about how debt consolidation can help. (842 words, Oct 30, 2025) - [What Is an Excellent or Perfect Credit Score?](/content/credit-health/insights/excellent-credit-score/index.html): Learn what’s considered an excellent or perfect credit score, why it matters, and how to achieve it. Get 5 expert tips to boost your score and unlock better financial opportunities. (678 words, Oct 30, 2025) - [What Is an Excellent or Perfect Credit Score?](/content/en-ca/credit-health/insights/excellent-credit-score/index.html): Learn what’s considered an excellent or perfect credit score, why it matters, and how to achieve it. Get 5 expert tips to boost your score and unlock better financial opportunities. (678 words, Oct 30, 2025) - [How Will Getting Married Affect My Credit?](/content/en-ca/credit-health/insights/does-getting-married-affect-my-credit-score/index.html): Getting married has no immediate effect on your credit score, but many financial choices you make with your spouse can impact your scores. Here’s what to know. (1,104 words, Oct 30, 2025) - [Does Closing a Credit Card Hurt Your Credit Score? ](/content/credit-health/insights/does-closing-a-credit-card-hurt-your-credit-score/index.html): Closing a credit card might make sense if you’re overspending, but it’s important to consider how closing an account can affect your credit score before you make any moves. (897 words, Oct 30, 2025) - [Does Closing a Credit Card Hurt Your Credit Score? ](/content/en-ca/credit-health/insights/does-closing-a-credit-card-hurt-your-credit-score/index.html): Closing a credit card might make sense if you’re overspending, but it’s important to consider how closing an account can affect your credit score before you make any moves. (897 words, Oct 30, 2025) - [Does Checking Your Credit Score Lower It?](/content/credit-health/insights/does-checking-your-credit-score-lower-it/index.html): Several factors can affect your credit score, including one type of credit inquiry. Learn what can impact it and which type of credit inquiry can lower your credit score. (1,020 words, Oct 30, 2025) - [Does Checking Your Credit Score Lower It?](/content/en-ca/credit-health/insights/does-checking-your-credit-score-lower-it/index.html): Several factors can affect your credit score, including one type of credit inquiry. Learn what can impact it and which type of credit inquiry can lower your credit score. (1,020 words, Oct 30, 2025) - [Does Applying For Credit Affect Your Credit Score?](/content/credit-health/insights/does-applying-for-credit-affect-credit-score/index.html): You may have heard that applying for credit can affect your credit score, but you might not know exactly what the effects will be. Does applying for a credit card hurt your credit? What about applying for other types of loans? How big is the impact, and how long does it last? (1,102 words, Oct 30, 2025) - [Does Applying For Credit Affect Your Credit Score?](/content/en-ca/credit-health/insights/does-applying-for-credit-affect-credit-score/index.html): You may have heard that applying for credit can affect your credit score, but you might not know exactly what the effects will be. Does applying for a credit card hurt your credit? What about applying for other types of loans? How big is the impact, and how long does it last? (1,074 words, Oct 30, 2025) - [Debunking Debt Misconceptions: Using Credit to Gain Financial Freedom](/content/en-ca/credit-health/insights/debunking-debt-misconceptions-using-credit-to-gain-financial-freedom.html): We'll look at five common misconceptions about debt and explain why they should be debunked. (1,418 words, Oct 30, 2025) - [Debt-to-Income Ratio: What It Is, Calculating It, and How to Improve It | Upgrade](/content/credit-health/insights/debt-to-income-ratio-how-to-improve-yours/index.html): Your debt-to-income ratio can make the difference between being approved or declined for new credit. Learn how to calculate your DTI ratio and what you can do to improve yours. (830 words, Oct 30, 2025) - [Debt-to-Income Ratio: What It Is, Calculating It, and How to Improve It | Upgrade](/content/en-ca/credit-health/insights/debt-to-income-ratio-how-to-improve-yours/index.html): Your debt-to-income ratio can make the difference between being approved or declined for new credit. Learn how to calculate your DTI ratio and what you can do to improve yours. (844 words, Oct 30, 2025) - [Everything You Need to Know About Credit Utilization Ratio](/content/credit-health/insights/credit-utilization-ratio/index.html): What exactly is credit utilization ratio? We’ll cover everything you need to know about it, how it works, and how to improve your credit utilization ratio. (1,099 words, Oct 30, 2025) - [Everything You Need to Know About Credit Utilization Ratio](/content/en-ca/credit-health/insights/credit-utilization-ratio/index.html): What exactly is credit utilization ratio? We’ll cover everything you need to know about it, how it works, and how to improve your credit utilization ratio. (1,099 words, Oct 30, 2025) - [Credit Utilization: Myths and Facts](/content/credit-health/insights/credit-utilization-myths-and-facts/index.html): Credit utilization is a key factor in your credit score. Let's dispel some of the most common myths about credit utilization. (878 words, Oct 30, 2025) - [Credit Utilization: Myths and Facts](/content/en-ca/credit-health/insights/credit-utilization-myths-and-facts/index.html): Credit utilization is a key factor in your credit score. Let's dispel some of the most common myths about credit utilization. (878 words, Oct 30, 2025) - [What Credit Score is Needed to Buy a House?](/content/credit-health/insights/credit-score-to-buy-house/index.html): If you’re in the market to buy a house, getting a handle on your credit score is an essential step to think about early on. (1,541 words, Oct 30, 2025) - [What Credit Score is Needed to Buy a House?](/content/en-ca/credit-health/insights/credit-score-to-buy-house/index.html): If you’re in the market to buy a house, getting a handle on your credit score is an essential step to think about early on. (1,552 words, Oct 30, 2025) - [Top 5 Credit Score Myths Debunked](/content/credit-health/insights/credit-score-myths/index.html): It can be tricky to figure out how credit scores work. There’s a lot of conflicting information and even well-intentioned advice can turn out to be wrong, so it’s no surprise that credit score myths abound. In this post, we’ll set the record straight on the top 5 credit score myths. Don’t let these common fallacies derail your path to a better financial future. (1,053 words, Oct 30, 2025) - [Top 5 Credit Score Myths Debunked](/content/en-ca/credit-health/insights/credit-score-myths/index.html): It can be tricky to figure out how credit scores work. There’s a lot of conflicting information and even well-intentioned advice can turn out to be wrong, so it’s no surprise that credit score myths abound. In this post, we’ll set the record straight on the top 5 credit score myths. Don’t let these common fallacies derail your path to a better financial future. (1,047 words, Oct 30, 2025) - [4 Common Credit Card Transactions That Impact Your Credit Score](/content/credit-health/insights/credit-cards-101/index.html): Chances are you have at least one credit card—nearly 80% of American adults do—and you already know that credit cards impact your credit score. But in what ways? What happens to your credit score when you open a new card, close an old one, or transfer a balance? (1,356 words, Oct 30, 2025) - [4 Common Credit Card Transactions That Impact Your Credit Score](/content/en-ca/credit-health/insights/credit-cards-101/index.html): Chances are you have at least one credit card—nearly 80% of American adults do—and you already know that credit cards impact your credit score. But in what ways? What happens to your credit score when you open a new card, close an old one, or transfer a balance? (1,351 words, Oct 30, 2025) - [Credit Scores 101: How Your Credit Score is Calculated](/content/credit-health/insights/creates-credit-score/index.html): There are approximately 220 million consumers with credit reports in the United States, and approximately 36 billion pieces of credit data in total are recorded on credit reports every year to create credit scores.1 So, who’s behind the scenes managing the compilation and distribution of all this data that creates the three-digit number that summarizes your credit health? (764 words, Oct 30, 2025) - [Credit Scores 101: How Your Credit Score is Calculated](/content/en-ca/credit-health/insights/creates-credit-score/index.html): There are approximately 220 million consumers with credit reports in the United States, and approximately 36 billion pieces of credit data in total are recorded on credit reports every year to create credit scores.1 So, who’s behind the scenes managing the compilation and distribution of all this data that creates the three-digit number that summarizes your credit health? (759 words, Oct 30, 2025) - [Why Your Credit Score Matters](/content/credit-health/insights/checks-credit-score/index.html): You may think that your credit score only matters when you’re applying for a new credit card or a loan, but think again! Over the course of your lifetime, there are many others who will use your credit score to get a pulse on your financial health and use it as a core decision-making tool to determine if you’re a good person to do business with. (1,192 words, Oct 30, 2025) - [Why Your Credit Score Matters](/content/en-ca/credit-health/insights/checks-credit-score/index.html): You may think that your credit score only matters when you’re applying for a new credit card or a loan, but think again! Over the course of your lifetime, there are many others who will use your credit score to get a pulse on your financial health and use it as a core decision-making tool to determine if you’re a good person to do business with. (1,187 words, Oct 30, 2025) - [Breaking Down the Cost of Credit](/content/credit-health/insights/breaking-down-the-cost-of-credit/index.html): What does credit actually cost you? We'll break down what you pay for when taking out a personal loan or a credit card and explain each component. (749 words, Oct 30, 2025) - [Breaking Down the Cost of Credit](/content/en-ca/credit-health/insights/breaking-down-the-cost-of-credit/index.html): What does credit actually cost you? We'll break down what you pay for when taking out a personal loan or a credit card and explain each component. (754 words, Oct 30, 2025) - [BNPL or Personal Loan: How to Choose the Right Option for You](/content/credit-health/insights/bnpl-or-personal-loan-how-to-choose-the-right-option-for-you.html): Wondering whether to choose buy now, pay later or a personal loan? Learn how to decide based on your budget, repayment timeline, and credit goals in this guide. (755 words, Oct 30, 2025) - [BNPL or Personal Loan: How to Choose the Right Option for You](/content/en-ca/credit-health/insights/bnpl-or-personal-loan-how-to-choose-the-right-option-for-you.html): Wondering whether to choose buy now, pay later or a personal loan? Learn how to decide based on your budget, repayment timeline, and credit goals in this guide. (755 words, Oct 30, 2025) - [Beyond Your Credit Report: What Else Do Lenders Consider?](/content/credit-health/insights/beyond-your-credit-report/index.html): Lenders look at credit scores and credit reports when deciding whether to lend you money, but they also look at additional factors. Here’s what to know. (1,335 words, Oct 30, 2025) - [Beyond Your Credit Report: What Else Do Lenders Consider?](/content/en-ca/credit-health/insights/beyond-your-credit-report/index.html): Lenders look at credit scores and credit reports when deciding whether to lend you money, but they also look at additional factors. Here’s what to know. (1,296 words, Oct 30, 2025) - [12 Better Money Habits to Boost Your Credit Score](/content/credit-health/insights/better-money-habits/index.html): Striving to keep your debt in check, stick to a budget, and increase your credit score? A focus on building better money habits may be your key to success. Tweaking the everyday ways you spend and save can have a big impact on your score over time. (950 words, Oct 30, 2025) - [12 Better Money Habits to Boost Your Credit Score](/content/en-ca/credit-health/insights/better-money-habits/index.html): Striving to keep your debt in check, stick to a budget, and increase your credit score? A focus on building better money habits may be your key to success. Tweaking the everyday ways you spend and save can have a big impact on your score over time. (950 words, Oct 30, 2025) - [Best Ways to Build Credit History with Credit Cards or Alternative Products](/content/credit-health/insights/best-ways-to-build-credit-history-with-credit-cards-or-alternative-products.html): Build credit with credit builder cards or alternatives. Learn how to choose the best option, use it wisely, and boost your credit score over time. (902 words, Oct 30, 2025) - [Best Ways to Build Credit History with Credit Cards or Alternative Products](/content/en-ca/credit-health/insights/best-ways-to-build-credit-history-with-credit-cards-or-alternative-products.html): Build credit with credit builder cards or alternatives. Learn how to choose the best option, use it wisely, and boost your credit score over time. (907 words, Oct 30, 2025) - [APR vs. Interest Rates: What’s the Difference?](/content/credit-health/insights/apr-vs-interest-rate/index.html): When applying for a personal loan, many borrowers focus on finding the lowest interest rate possible. While the interest rate is important, there’s another rate you should also be aware of: the annual percentage rate, or APR. (528 words, Oct 30, 2025) - [APR vs. Interest Rates: What’s the Difference?](/content/en-ca/credit-health/insights/apr-vs-interest-rate/index.html): When applying for a personal loan, many borrowers focus on finding the lowest interest rate possible. While the interest rate is important, there’s another rate you should also be aware of: the annual percentage rate, or APR. (496 words, Oct 30, 2025) - [5 Factors That Affect Your Credit Score](/content/credit-health/insights/affects-credit-score/index.html): Your credit score is the key metric that sums up your credit health, but many people don’t know how their score is generated. These five major factors all affect your credit score. (980 words, Oct 30, 2025) - [5 Factors That Affect Your Credit Score](/content/en-ca/credit-health/insights/affects-credit-score/index.html): Your credit score is the key metric that sums up your credit health, but many people don’t know how their score is generated. These five major factors all affect your credit score. (975 words, Oct 30, 2025) - [A Financial Checklist Before Moving Out On Your Own](/content/credit-health/insights/a-financial-checklist-before-moving-out-on-your-own.html): Moving out for the first time? Congrats! Make sure to get started on the right foot and use this financial checklist to create a financially secure future. (1,436 words, Oct 30, 2025) - [A Financial Checklist Before Moving Out On Your Own](/content/en-ca/credit-health/insights/a-financial-checklist-before-moving-out-on-your-own.html): Moving out for the first time? Congrats! Make sure to get started on the right foot and use this financial checklist to create a financially secure future. (1,437 words, Oct 30, 2025) - [A Beginner's Guide to Budgeting](/content/credit-health/insights/a-beginners-guide-to-budgeting/index.html): Budgeting can be intimidating if you don’t know where to start. Use our budgeting for beginners guide to feel more in control of your money. (1,080 words, Oct 30, 2025) - [A Beginner's Guide to Budgeting](/content/en-ca/credit-health/insights/a-beginners-guide-to-budgeting/index.html): Budgeting can be intimidating if you don’t know where to start. Use our budgeting for beginners guide to feel more in control of your money. (1,080 words, Oct 30, 2025) - [7 Reasons to Get a Credit Card Consolidation Loan](/content/credit-health/insights/7-reasons-to-get-a-credit-card-consolidation-loan/index.html): Saving money and streamlining your monthly payments are just two of the reasons a credit card consolidation loan might be a good fit. See why else you might want to consider a fixed rate personal loan to consolidate your debt. (1,233 words, Oct 30, 2025) - [7 Reasons to Get a Credit Card Consolidation Loan](/content/en-ca/credit-health/insights/7-reasons-to-get-a-credit-card-consolidation-loan/index.html): Saving money and streamlining your monthly payments are just two of the reasons a credit card consolidation loan might be a good fit. See why else you might want to consider a fixed rate personal loan to consolidate your debt. (1,243 words, Oct 30, 2025) - [6 Ways for Young Professionals to Build Credit](/content/credit-health/insights/6-ways-for-young-professionals-to-build-credit/index.html): Building credit can be vital to your financial wellbeing, but how do you get approved for credit when you’ve never had it before? We’ve got six ways that young professionals can build credit with no credit history required. (1,127 words, Oct 30, 2025) - [6 Ways for Young Professionals to Build Credit](/content/en-ca/credit-health/insights/6-ways-for-young-professionals-to-build-credit/index.html): Building credit can be vital to your financial wellbeing, but how do you get approved for credit when you’ve never had it before? We’ve got six ways that young professionals can build credit with no credit history required. (1,134 words, Oct 30, 2025) - [6 Habits of People with Good Credit Scores](/content/credit-health/insights/6-habits-of-people-with-good-credit-scores/index.html): If you want to get a great credit score, here are 6 key habits you may want to pick up (1,296 words, Oct 30, 2025) - [6 Habits of People with Good Credit Scores](/content/en-ca/credit-health/insights/6-habits-of-people-with-good-credit-scores/index.html): If you want to get a great credit score, here are 6 key habits you may want to pick up (1,306 words, Oct 30, 2025) - [6 Common Mistakes that Can Impact Your Credit Score](/content/credit-health/insights/6-common-mistakes-that-can-impact-your-credit-score.html): Learn how you can improve your credit score. Discover 6 mistakes that could be damaging your credit score and learn how to build stronger financial health. (643 words, Oct 30, 2025) - [6 Common Mistakes that Can Impact Your Credit Score](/content/en-ca/credit-health/insights/6-common-mistakes-that-can-impact-your-credit-score.html): Learn how you can improve your credit score. Discover 6 mistakes that could be damaging your credit score and learn how to build stronger financial health. (651 words, Oct 30, 2025) - [5 Tips to Manage Revolving Credit](/content/credit-health/insights/5-tips-to-manage-revolving-credit/index.html): Revolving credit can be a useful tool when managed correctly. Learn how to use revolving credit responsibly and stay on track toward financial freedom. (1,291 words, Oct 30, 2025) - [5 Tips to Manage Revolving Credit](/content/en-ca/credit-health/insights/5-tips-to-manage-revolving-credit/index.html): Revolving credit can be a useful tool when managed correctly. Learn how to use revolving credit responsibly and stay on track toward financial freedom. (1,296 words, Oct 30, 2025) - [5 Tips for Budget-Friendly Splurging | Upgrade](/content/credit-health/insights/5-tips-for-budget-friendly-splurging/index.html): You don’t need to restrict yourself to save money! Here are some tips for how to have fun and enjoy life without breaking your budget. (1,366 words, Oct 30, 2025) - [5 Tips for Budget-Friendly Splurging | Upgrade](/content/en-ca/credit-health/insights/5-tips-for-budget-friendly-splurging/index.html): You don’t need to restrict yourself to save money! Here are some tips for how to have fun and enjoy life without breaking your budget. (1,293 words, Oct 30, 2025) - [5 Stressful Financial Situations & How to Handle Them](/content/credit-health/insights/5-stressful-financial-situations-how-to-handle-them.html): A guide to navigating life’s scarier (and more expensive) moments. (919 words, Oct 30, 2025) - [5 Stressful Financial Situations & How to Handle Them](/content/en-ca/credit-health/insights/5-stressful-financial-situations-how-to-handle-them.html): A guide to navigating life’s scarier (and more expensive) moments. (2,012 words, Oct 30, 2025) - [5 Reasons to Have A Credit Card | Upgrade](/content/credit-health/insights/5-reasons-to-have-a-credit-card/index.html): Credit cards play an important role in your financial landscape. Here’s how to use them to build credit, pay for large expenses, earn rewards, and more. (1,128 words, Oct 30, 2025) - [5 Reasons to Have A Credit Card | Upgrade](/content/en-ca/credit-health/insights/5-reasons-to-have-a-credit-card/index.html): Credit cards play an important role in your financial landscape. Here’s how to use them to build credit, pay for large expenses, earn rewards, and more. (920 words, Oct 30, 2025) - [5 Reasons to Get a Personal Loan](/content/credit-health/insights/5-reasons-to-get-a-personal-loan/index.html): A personal loan can help you find the savings and flexibility you need to reorganize your finances. Here are five ways it can help you improve your life. (548 words, Oct 30, 2025) - [5 Reasons to Get a Personal Loan](/content/en-ca/credit-health/insights/5-reasons-to-get-a-personal-loan/index.html): A personal loan can help you find the savings and flexibility you need to reorganize your finances. Here are five ways it can help you improve your life. (549 words, Oct 30, 2025) - [5 Quick Steps to Build an Emergency Fund](/content/credit-health/insights/5-quick-steps-to-build-an-emergency-fund/index.html): For many people, building and maintaining an emergency fund can feel overwhelming. Let’s break it down into 5 simple steps to get yours up and running. (500 words, Oct 30, 2025) - [5 Quick Steps to Build an Emergency Fund](/content/en-ca/credit-health/insights/5-quick-steps-to-build-an-emergency-fund/index.html): For many people, building and maintaining an emergency fund can feel overwhelming. Let’s break it down into 5 simple steps to get yours up and running. (495 words, Oct 30, 2025) - [5 Pitfalls That Can Hurt Your Credit Score](/content/credit-health/insights/5-pitfalls-that-can-hurt-your-credit-score/index.html): Maintaining a good credit score can take work. Stay on track and avoid these common pitfalls that can damage your credit score. (851 words, Oct 30, 2025) - [5 Pitfalls That Can Hurt Your Credit Score](/content/en-ca/credit-health/insights/5-pitfalls-that-can-hurt-your-credit-score/index.html): Maintaining a good credit score can take work. Stay on track and avoid these common pitfalls that can damage your credit score. (850 words, Oct 30, 2025) - [4 Best Budgeting Apps of August 2024](/content/credit-health/insights/4-best-budgeting-apps-of-2024/index.html): There are plenty of tools out there that can help you manage your money, but what are some of the best budgeting apps? Here are our top picks. (874 words, Oct 30, 2025) - [4 Best Budgeting Apps of August 2024](/content/en-ca/credit-health/insights/4-best-budgeting-apps-of-2024/index.html): There are plenty of tools out there that can help you manage your money, but what are some of the best budgeting apps? Here are our top picks. (869 words, Oct 30, 2025) - [3 Money Conversations to Have Before You Get Married](/content/credit-health/insights/3-money-conversations-to-have-before-you-get-married.html): Discussing your finances is crucial before you walk down the aisle. (653 words, Oct 30, 2025) - [3 Money Conversations to Have Before You Get Married](/content/en-ca/credit-health/insights/3-money-conversations-to-have-before-you-get-married.html): Discussing your finances is crucial before you walk down the aisle. (653 words, Oct 30, 2025) - [20 Hacks to Cut Back on Spending | Upgrade](/content/credit-health/insights/20-hacks-to-cut-back-on-spending/index.html): Overspending can cause major damage to your wallet and credit. Learn how to take control of your spending habits so you can improve your savings and get the relief you need. (1,242 words, Oct 30, 2025) - [20 Hacks to Cut Back on Spending | Upgrade](/content/en-ca/credit-health/insights/20-hacks-to-cut-back-on-spending/index.html): Overspending can cause major damage to your wallet and credit. Learn how to take control of your spending habits so you can improve your savings and get the relief you need. (1,240 words, Oct 30, 2025) - [10 Tips to Keep Negative Credit Events from Snowballing](/content/credit-health/insights/10-tips-to-keep-negative-credit-events-from-snowballing.html): Some common credit events can snowball and damage your credit score. Learn ways you can manage them and avoid the snowball effect. (1,296 words, Oct 30, 2025) - [10 Tips to Keep Negative Credit Events from Snowballing](/content/en-ca/credit-health/insights/10-tips-to-keep-negative-credit-events-from-snowballing.html): Some common credit events can snowball and damage your credit score. Learn ways you can manage them and avoid the snowball effect. (1,297 words, Oct 30, 2025) ## About Pages - [About Flex Pay by Upgrade | Upgrade](/content/en-ca/about/index.html): We help get you there with buy now, pay later options for travel, retail, and hospitality. Learn more about Flex Pay by Upgrade. (210 words) - [About Us | Upgrade](/content/about/index.html): We combine affordable personal loans and cards with free credit monitoring to help our customers make good financial decisions so they can build the future they want. (174 words) - [Executive Team and Board of Directors | Upgrade](/content/team/index.html): We have assembled a team of fintech innovators and seasoned banking professionals working together to deliver exceptional value to our customers. (129 words) ## Resources - [Full Page Index](/index.html): Browse all cached pages with rich metadata - [About This Cache](/content/about.html): Methodology, technical details, and usage guidelines - [XML Sitemap](/sitemap.xml): Machine-readable sitemap for crawler discovery - [Robots.txt](/robots.txt): Crawler directives