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Upgrade Review

Reviews 39,744
Upgrade
Visit Site
Upgrade
Upgrade
Excellent
Reviews 39,744
Michael Dinich
Nov. 01, 2022
2 min read
Michael Dinich
Upgrade Summary
Upgrade offers personal loans of up to $50,000 for a range of purposes such as paying off credit card debt, financing a home improvement, or making a large purchase. It is quick, easy to use and offers free credit monitoring and financial-education resources that can help you better understand and improve your credit score.

Pros

  • Quick online application -- can get pre-approved in just minutes
  • Credit health tracker makes it easy for you to improve credit

Cons

  • Origination fee can reach up to 8.99% of loan amount
  • Applicants required to have free cash flow of at least $1,000

Upgrade  Upgrade Visit Upgrade

Overview

Upgrade is an online marketplace lending platform founded in 2016 by Renaud Laplanche and Soul Htite, who were both previously co-founders of Lending Club. Laplanche’s reputation in Silicon Valley was strong enough to attract $60 million in financing for Upgrade from many of the prominent venture capitalists who had backed him with his previous projects. Personal loans through Upgrade offer up to $50,000 for purposes such as paying off credit card debt, financing a home improvement, or making a large purchase. It differentiates itself from the likes of Lending Club through features such as free credit monitoring and financial-education resources.

Upgrade Review

Suitable For?

Upgrade's loans are aimed at tech-savvy Americans who need personal loans to cover large expenses. Its free educational tools, including a credit-health tracker, aim to make it easy for people who have had a loan application rejected to build up their credit score and achieve success with their next application. Upgrade accepts loan applicants from all states except Connecticut, Colorado, Iowa, Massachusetts, Maryland, Vermont, and West Virginia.

Loan Features

You can get fixed-rate personal loans ranging from $1,000 to $50,000, and with repayment of either 2 or 7 years. In addition, through Upgrade you'll get a credit-health tracker free of charge, and without any commitments. Users can access the tool at any time for a summary of their latest credit report and an explanation of the key factors influencing their credit score. The tool also includes a useful credit score simulator, where users can input hypothetical scenarios such as repayments on their credit card balance or an increase on their credit card limit, and find out what the impact of these scenarios will be on their credit score. And users can access the tool as many times as they wish – without their credit score being affected.

The Application Process

The application process takes place online. To begin, just enter the loan amount you wish to apply for, and the purpose of the loan. You will then be taken to another page and asked to fill out a few personal details, including:

  • Name
  • Address
  • Monthly income
  • Social security number

Shortly after completing the form, you’ll receive an email informing you whether or not you’ve been approved for a loan, along with the interest rate. If you are denied, you’ll receive an explanation of why this was the case. If you accept your loan offer, the funds will be sent to your bank account within 1 business day of all the necessary verifications, and will typically be available within 4 business days, depending on how quickly your bank processes the funds. 

As mentioned above, the key requirements are at least $1,000 free cash flow per month, and that the loan be used for specific purposes such as paying off credit card debt. Free cash flow is based on the applicant’s income, the cost of living in their area, city and state tax rates, and any mortgage or rent payments that are part of the applicant’s monthly expenses. 

How Much Can You Borrow?

Applicants can request loans of as low as $1,000 and as high as $50,000. The final loan amount depends on a number of factors, including credit score and free cash flow. A minimum credit score of 620 is required for approval. Only unsecured loans are offered through Upgrade, which means borrowers aren’t required to put up any collateral.

Repayment Term

Loans have APRs ranging from 8.49% - 35.99%*. For the lowest rates, applicants must agree to automatic monthly repayments. All loans have an origination fee of 1.85-8.99%, which is deducted from the loan amount at the beginning. Applicants can choose from repayment terms of either 2 years (24 months) or 7 years (84 months). Monthly repayments depend on APR, origination fee, and loan duration. Late payments can result in late fees.

Privacy & Security 

All loans are made by WebBank, an accredited member of the Federal Deposit Insurance. Corporation, which is a US government corporation providing deposit insurance to depositors in US banks. Upgrade promises to protect all applicants’ personal information from unauthorized access and use, and its security measures comply with federal law.

Help & Support

Upgrade has an A rating from the Better Business Bureau for its customer support, with BBB rewarding it for positive online reviews. Upgrade’s website stands out for its educational resources, with dozens of informational pages and of course the free credit-tracking tool. Customer support can be reached by email at contact@upgrade.com, or through the Support button which can be found at the bottom-right of each page on the website.

Summary

Upgrade was founded by two of the people behind Lending Club, one of the pioneers in the world of online lending, and it is aiming to fill some of the remaining gaps not covered by most of the existing players in the market, including a lack of support for rejected loan applicants. The main point of difference between Upgrade and many of its competitors is its free tracking tool and simulator, which allows borrowers to understand and improve their credit score in order to secure better terms on their next loan. Upgrade’s service is quick, easy to use, and transparent. The service is most beneficial for borrowers with credit scores hovering around 620 and with a preference for doing things online and without delays.

Physical Address

Upgrade, Inc

275 Battery Street, 23rd Floor

San Francisco, CA 94111

Upgrade  Upgrade Visit Upgrade

Disclaimers

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.


Michael Dinich
Written by
Michael Dinich
Michael is the founder and CEO of WealthOfGeeks.com. He has worked in personal finance since 1999. He shares unique insights on how to save money, increase income and prepare for retirement. Michael is a sought-after finance professional in the areas of taxation, personal finance, and health insurance planning. He writes for BestMoney and enjoys helping readers make sense of the options on the market.
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Trustpilot reviews
See what some customers are saying about Upgrade
Upgrade
Excellent
Reviews 39,744
on
Excellent
81%
Great
11%
Average
3%
Poor
1%
Bad
4%
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gregory george
18 hours ago
It's been great working with upgrade
It's been great working with upgrade, I love getting it done online it's quick and hassle free .
S
susan
a day ago
The best rates by far
The best rates by far! Approved in minutes and funds the next day! It couldn’t be easier.
J
john trujillo
a day ago
Quick
Quick! Excellent customer service!
T
timothy frye
a day ago
Giving people a chance to get out of…
Giving people a chance to get out of debt and great customer service.
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ps email
a day ago
Odd Practice and No Rewards
Concerns with this company is the way they run the "credit card" as micro loans. Seems highly inefficient. They don't pay out the cash back rewards - I requested it and it was approved but I never got it in my bank account. They force you to give your bank account details. No option to avoid. Overall, this is not a good option for a credit card. If you want a loan, as they pseudo promote this card, you are better off getting a personal loan with real terms and far less APRs.
C
chris germanakos
a day ago
The process was quick and easy.
The process was quick and easy.
J
jen k
2 days ago
It was a great experience though the…
It was a great experience though the process could be a little faster to compare with the competition.
W
wilder simon
3 days ago
Everything was great.
Everything was great.
A
abraham
3 days ago
Very helpful
Very helpful
M
margaret
3 days ago
This was an exceptionally easy…
This was an exceptionally easy experience and the APR rate quoted was LOWER then I expected. Very easy process, thank you Upgrade
C
charles mcdaniel
4 days ago
Upgrade is NOT a Bank
I got a $3,000 line of Credit with this company. After a few months the line was reduced to $2,500.00. After a few more months it was reduced to $1,750.00. I as never a date late making a payment as it was on Auto-pay. After 30 months they cancelled the card completely without telling me...never one day late making payments. Customer Support will lie to you point blank and never blink. Do NOT trust them. This is NOT a bank. Do not trust their reviews. I do not.
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william sagmiller
4 days ago
Very professional and stress free.
Very professional and stress free.
A
angela alzate
4 days ago
The service was very easy to access and…
The service was very easy to access and fast.
C
cordelia
4 days ago
Quick and easy loan process
The process to request a loan and provide details to Upgrade was simple and quick. I truly appreciate the prompt turnaround!!
B
becky carden
5 days ago
Great service quick turn around with my…
Great service quick turn around with my loan very friendly people to deal with
C
carol truby
7 days ago
Too hard to add money to the checking account
When I applied for the loan and bank account there was supposed to be an app that had the feature to deposit checks by taking a photograph & they advertise 1-4 days to transfer money. My employer doesn't offer direct deposit. The app feature was never added to the app. It takes the full 4 business days to transfer from my regular account to the Upgrade account. If I transfer Monday the money is never available until Sat a.m. This makes it EXTREMELY difficult to use their check card enough to get the lower interest rate on my loan. As soon as the loan is paid in May I will be closing the checking account.
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thomas
7 days ago
Upgrade is a terrible and dishonest…
Upgrade is a terrible and dishonest company. They constantly change interest rates and terms of the card. I had autopayment on and was in the hospital for four months. They suspended my card and I will not be able to use it (maybe they said) until balance is paid in full even with available credit. Terrible service, terrible card. Corrupt. Don't ever use them.
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sharon king-mervin
8 days ago
The experience was helpful and smooth…
The experience was helpful and smooth being a customer. Even making a collateral call to the company, the representative was friendly and helpful. The entire process was as stated and within 3-5 days the funds were in my account! I would advice to become a customer! Great job!!
S
shante chadwick
8 days ago
Great company
Upgrade is great lending company!!!
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angie hefner
9 days ago
It’s hard to say if the card is any…
It’s hard to say if the card is any good. I was approved over 3 weeks ago and can’t seem to get a card or any answers from anyone. I’ve been told it’s stuck in the approval process and there’s a glitch keeping the card from being issued. They claim it’s been escalated, but I was told nearly 2 weeks ago I’d hear back in 3 days. Three calls later and still no answers.
K
khamla anouvongs
9 days ago
They’re very good helping out my…
They’re very good helping out my account thank u again
w
wendy stebbins
9 days ago
The process was fast
The process was fast, easy and seamless.
S
sandra jordan
9 days ago
It was so easy to go on line and fill…
It was so easy to go on line and fill the application out and once you finished Upgrade contacted you right a way .
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gregory d williams
9 days ago
It's not rite!
This the most uncommon experience I have ever had first and foremost upgrade decreased my cards limit for no good reason at all with a dam good payment history and one more thing it takes them dam near a week to put your money on your card after paying off your entire balance and upgrade charged me $10 extra dollars for paying off my balance in full. I really don't recommend this card or it's services (my opinion)
E
erica
9 days ago
Waste of time and money
Upgrade tries to make the process seem streamlined and simple. In my experience it is NOT. Upgrade wants you to jump through a parade of hoops. When you do everything they ask by uploading everything they ask for, they ask for more. After 3 days of uploading information multiple times, I told them to forget it. I had already verified all the information they needed. I get they need to verify me and there are certain regulations that need to be met. After uploading a picture of myself holding a handwritten note, a front and back picture of my drivers license , and uploading a picture of me holding my driver's license and then being told they can't see all of my arm thats the final straw. Don't do it! Just don't waste your time!!!
M
michael
10 days ago
Everyone I talked to during the process…
Everyone I talked to during the process of my upgrade card application and my upgrade loan were knowledgeable and professional. The whole process was a pleasure.
g
gloriae ruiz
10 days ago
Be kind to one a
Everything went well for me
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jobelle gramata
10 days ago
Started off good then HORRIBLE
When I first got approved for my loan everything was great up until a few months ago. I had an income decrease so I went on the hardship plan. After the hardship every time I called and spoke to a representative about my different options everyone was telling me something different. It’s very discouraging and I’m very upset that I’m being told different information. There’s nothing else they can do for me other than tell me “to pay in full to not hurt your credit”. I wouldn’t recommend upgrade to my friends and family since none of the representatives even seem to be on the same page and some of them can’t even properly read client notes on the profile.
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cjf
10 days ago
What sets Upgrade above the rest is the…
What sets Upgrade above the rest is the fact they are upfront and honest about all financial facts. They are fast and efficient. They are grateful for your business.
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dee ramos
10 days ago
Starts out easy
The process was easy. After getting approved for a personal loan I was given a card within days. After about 6 months I notice my available credit gets lower and access is cut off. I feel like I have been scammed big time
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tiffany taylor
10 days ago
I needed a new card for my checking…
I needed a new card for my checking account and they sent two cards out and cancelled both. They couldn’t figure out how to send a new card. Third party company is horrible try staying within the United States.
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noel crismore
11 days ago
Recievd loan quick
Very fast ad complete no waiting was approved for a visa card but decided not to take it. Was closed maybe later i will reapply.
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christie nychole
11 days ago
Worse company ever
Don’t even know where to start. I have two loans, a personal and business. My business I have been paying on for 18-19 months and all that has come off my amount owe is $1200 and I have paid almost $4500. I didn’t even know the interest rate was like it is and why?? My personal they keep changing my total availability to a lower amount causing me to be negative amount! I’ve never seen a company do this!!! I’m beyond pissed about this! I would not recommend them to anyone!!!!!! Don’t do it!
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tim
11 days ago
Upgrade makes it so easy
Upgrade makes it so easy
B
billy lanham
11 days ago
Great
Customer service, great people and fast service. Would recommend to anyone.
M
marsha millikan
11 days ago
Very easy to work with
Very easy to work with. Smooth, fast response time. Process was great. Customer service was very friendly and helpful.
A
anthony del rosario
12 days ago
Great experience
Great experience, everyone was so helpful. And received money fast.
P
patricia simons
12 days ago
The surcharge was way too high.
The surcharge was way too high.
T
tracy edwards
12 days ago
It’s been a great experience
It’s been a great experience, upgrade was able to help me when I needed it.
C
carol brenstuhl
14 days ago
Service was great and had no…
Service was great and had no issues/problems with the process
G
gracie gallegos
15 days ago
Great Service!
Fast, easy and agents follow up to help if needed.
A
ada
16 days ago
Super fast and extremely professional…
Super fast and extremely professional service from this A+ company!
P
pastor alphonso piper sr.
16 days ago
It is very convenient and the people…
It is very convenient and the people were very professional
C
cam
16 days ago
Upgrade is a not a good bank…Runnn
Upgrade is a not a good bank…Runnn. Very unprofessional. Communication is nonexistent. They’re not a real bank
A
amy sharon
16 days ago
I am pretty sure Upgrade.com deletes…
I am pretty sure Upgrade.com deletes bad reviews. They will gauge you on interest rate and fees and then when you go to pay it off they make it difficult to do so and lie to you when you ask for the amount you owe over the phone. The worst experience.
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skye wells
16 days ago
Trash
You'll get approved, you won't use the full ammount. And they will repetitively drop your ammount and notify you with an email so it looks like you maxed out your card. Then when your account gets compromised they will not remove the fraud transactions and you will pay on it anyways. When you make a payment online, they do not charge the account and will blame you as delinquent. Then you will try and ask why you were not notified and they will say " I'm not sure" and there's not reason for them not attempting to withdraw funds. I hate this card company. 100 percent don't reccomend. High intrest rates.
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taisa
17 days ago
I think my experience was great because…
I think my experience was great because I didn’t have no negative feedback
M
matt
17 days ago
Misleading and Disheartening Experience with Upgrade.com
I recently applied for a debt consolidation loan through Upgrade.com, and while I was prepared for the possibility of being denied, what followed was unexpectedly frustrating. Shortly after my loan application was rejected, I received an email suggesting an alternative with the Upgrade Card. The email's subject line, "We have another option for you with Upgrade Card," and the content implying I was already preapproved, gave me a glimmer of hope. However, this turned out to be misleading. The email stated, verbatim "You’re already preapproved, so it only takes a moment to see what you qualify for and move forward." This language clearly suggested that approval for the Upgrade Card was almost a certainty, especially since they had all my financial information from the loan application. But, the reality was different. It felt like a classic bait-and-switch tactic, exploiting my situation and need for financial assistance. This approach, in my opinion, borders on false advertisement and is incredibly disheartening. It's one thing to be denied a loan – that's part of the financial world. But it's another to be given false hope through what seems like a guaranteed alternative, only to find out it's not as it seems. This experience has left a sour taste, and I caution others to be wary of seemingly promising offers from Upgrade.com that may not be as straightforward as they appear.
D
dorvil dort
18 days ago
Great
Quick response
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yolanda c.
18 days ago
I applied for a personal loan and…
I applied for a personal loan and received an approval within minutes and the funds were deposited with two days. …. Fast Funding!!!!
M
maryann
18 days ago
SCAMMERS
SCAMMERS, CON-ARTISTS, INFORM THE BETTER BUSINESS BUREAU, FILE A CLAIM WITH THE FDIC BECAUSE UPGRADE AND CROSS RIVER BANK ARE PARTNERS IN CRIME AND ONLY EXIST TO HURT CONSUMERS. IF YOU'RE THINKING ABOUT OPENING AN ACCOUNT WITH UPGRADE AND/OR CROSS RIVER BANK, GET A LAWYER THAT'S FIT TO COVER YOU UNDER CONSUMER'S LAW AND MAKE SURE YOU KEEP THAT LAWYER UP TO DATE WITH YOUR EVERY MOVE WITH UPGRADE, BECAUSE SOON ENOUGH, YOU'LL BE NEEDING TO REPORT UPGRADE AND CROSS RIVER BANK'S EVERY MOVE WITH YOUR FUNDS AND ACCOUNTS. STAY 10 STEPS AHEAD. GET 'EM WHERE IT HURTS GOOD. THEY SO FKN DESERVE IT.
K
kenneth potter
18 days ago
Application process was seamless from…
Application process was seamless from start to finish
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zell huguler
18 days ago
STAY AWAY
STAY AWAY, STAY AWAY, STAY AWAY!!!! Completely unacceptable service. My job paid me Monday at 9:00am. They say the system was and wasn’t able to post the transaction to my account. It only just shows pending. I was advised it will be by the end of the business day that the funds will be available, However it is 8:25pm. The money is not in my account and I was advised the transaction mite post tomorrow morning. At this point they don’t know when my money will post their selves. I work hard for my money just to not receive it and not be provided for inaccurate information. STAY AWAY FROM THIS COMPANY.
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me me
18 days ago
Can I give negative zero stars
Can I give negative zero stars? Too bad that’s not possible!!! My advice just don’t go with them! Avoid at all possible! Because the small print will get you and no matter if you pay the high monthly payments on time they will screw you over and ruin your credit score! Avoid at all cost!!!! I wish I did!
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linda arnold
18 days ago
Quick processing and approval
Quick processing and approval
R
richard anderson
19 days ago
Quick turn around
Quick turn around, easy application, funds were available within 24 hrs. It takes some time Upgrade to pay off a high i terest CC. My CC still has not been credited.
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david mcgregor
19 days ago
Pleasant and straight forward company
Pleasant and straight forward company. The whole process only took a few days. Very satisfied.
L
lance
19 days ago
I hate their website
I hate their website. Caution you can only see your balance when you are NOT enrolled in autopay. Even then the details they show in YOUR account are minimal. They go out of their way to limit what you can see in your account and if you need to call, your gonna have to do it from work because their work hours are pretty close to your work hours.
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susana smith
19 days ago
Excellent services
Excellent services
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teresa
19 days ago
Friendly Representatives
Everyone that I spoke with was very knowledgeable and friendly. They answered all of my questions and was very patient. The wait time to speak to someone was not long at all and that was a plus for me!
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april jackson
20 days ago
It’s hard to get caught back up on…
It’s hard to get caught back up on payments, customer service is rude as heck. They closed my card down even making payments back in March. I called spoke with a guy who talked to me like I was nothing when I ask the status of my account and told me it was going to collections. Upgrade is still reporting late payments instead of it going to collections. They are liars and they report to your credit to hurt your credit. This account should be in collections by now. Stay away from company!!!
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bob odenkirk
20 days ago
Don't Bother with Upgrage
For some reason, after never being late and making all my payments for over seven years, Upgrade decided that I didn't deserve the credit line I had and lowered it every single time I made a payment. Some real morons working at this company in decision-making positions.
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tamara
20 days ago
This is not a good credit card to enroll in. They keep dropping the credit limit to the balance due on the account with no good reason to do so. My account have not been late or a missed payment.
Terrible company to get enrolled in. They drop the credit limit fir no reason which report negatively on your credit score. Never missed a payment. Do not enroll with Upgrade.
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rhonda matthews
22 days ago
Upgrade is a very good loan company I…
Upgrade is a very good loan company I love it
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laura williams
22 days ago
Simple It was painless to navigate the…
It was painless to navigate the application as it was laid out. Thank you
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sam
22 days ago
Always there when I need them
Always there when I need them. Easy loan application and quick response. Representatives are very helpful and knowledgeable. I would recommend to friends and family.
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heidi verrette
22 days ago
Very easy
It was fast and easy
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catherine schooler
22 days ago
Quick and easy
Quick and easy
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lynnette hutchinson
22 days ago
They provide very fast responses and…
They provide very fast responses and the processing time Is excellent. The processing fees are very high
A
ana miramontes
23 days ago
Great!!!!
Great! I always recommend you guys. Easiest process
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daniel bush
23 days ago
Customer service and quick response
Customer service and quick response
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susan maples
23 days ago
Kind people that I spoke with.
Kind people that I spoke with.
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elton johnson
24 days ago
This is the lousiest company I have…
This is the lousiest company I have ever dealt with. I strongly recommend that you avoid Upgrade. For one, their customer service is lousy. I guess the two young students working their customer service desk can't handle all the complaints. Two, if you get a credit line, which I did, and you use it, they will LOWER the credit limit on it. It's ridiculous. Why get a credit line if you cannot use it? I am closing my credit line because considering their incompetence, they will probably ding my credit profile next for using my credit line. I also had a loan with them and I not only NEVER missed a payment, but I paid it off early. They didn't even report that positive information to my credit file. They have lowered my credit line twice and I have NEVER missed a payment with this account either. I am done. AVOID THIS COMPANY IF POSSIBLE. THEY SUCK!!!!!
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karma woods
24 days ago
DO NOT GET AN UPGRADE CARD
Upgrade gave me a card. I used it, made $300 payments on it every month, never missed or late (ach withdrawal). They have randomly lowered my credit line TWICE now to the balance on the card, which makes the use to total credit 100%. They say this card is to help build your credit and it’s total garbage. I have 100% payment history and my credit score has consistently increased. DO NOT USE UPGRADE IF YOURE TRYING TO BUILD YOUR CREDIT. Garbage company.
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julia robbins
24 days ago
Low your credit limit even you pay them…
Low your credit limit even you pay them on time and never miss payment over years
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cw
24 days ago
Lowers your credit limit no matter how…
Lowers your credit limit no matter how great your payment history is with them. Which in turn makes your credit usage hit 100% on the credit repot.
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colby scott
24 days ago
Pure garbage
Pure garbage. Literally everything about Upgrade is wrong, so I'm not going to raise my blood pressure trying to list everything. You've been warned.
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bill sharpe
24 days ago
They start you out with a good credit…
They start you out with a good credit line then they decrease it over time when you're paying off your credit that you use.
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shevy meeker
24 days ago
They help your score be lower
Your credit takes a hit when you apply for a loan, but they approved me which made my debt to income go up and my credit took another hit which is to be expected. But upgrade decided that even though I've never missed a payment with them or with anyone... they were gonna lower my line of credit everytime I make a payment which means my available credit never goes up which means my credit never goes up. They claim to help people with lower scores which is true, they help their scores go even lower
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t l
24 days ago
Worst company I’ve ever dealt with
Worst company I’ve ever dealt with! They check your credit constantly & no matter how on time you are with your payments, they will reduce your credit limit with no notice by pulling a soft credit. STAY AWAY!!! Go to your local other high interest rate institutions & let them help you over Upgrade! Customer Service is the worst as well!
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george ryan
25 days ago
FAST!!
My first comment is about the fast response, and the ease of application.
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ron riwland
25 days ago
very fast and helpful highly recommend
they kept in contact with me and very informative in the status of my loan
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roxanne
25 days ago
Very professional and upfront…
Very professional and upfront documents. Funding was super fast !!!!
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jason patrick white
25 days ago
Very slow
Very slow, huge waste of time. My credit scores are good and make plenty of money. In the end they denied the loan and about 30 days of back and fourth. asking for more and more documents. Terrible company just like all the company's that are in this type of lending.
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steve mckiearnan
25 days ago
The card works well
the card works well
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ricky alt
a month ago
Quick and easy
Quick and easy
M
monique rosario
a month ago
It’s was very user friendly and easy to…
It’s was very user friendly and easy to navigate the process. Customer service was great
R
roberta russell
a month ago
The ease of the process
The ease of the process, although it would have been nice to have more money for other bills.
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william ochu
a month ago
Be aware…This company is a scam
Be aware…This company is a scam. I received a credit card from them and Never Once was I late on a payment nor did I ever ask for any payment extensions. The one day out of the blue they shut the card off without a letter or call. What they do is give you credit then cut you off so they can collect the interest. I’ve NEVER had a card company cut you off for paying your payments on time. When I called the employees are RUDE. They say you should have received an email. So read it nothing I can do. When I ask to speak to management they said there is no one to talk too. I also have a private loan with them. They keep emailing to TELL others about them. Well here you go. They are a Scam Company.
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jim
a month ago
Company gave me incorrect information…
Company gave me incorrect information regarding switching the bank I use for automatic payments and I got hit with a $33 overdraft fee because the money was drafted from the account they told me, by 2 different representatives and their website, wouldn't be used until next month because i switched the bank 2 days prior to the due date. I had to file a request to get the refund and was told there is a chance that it will be denied. I have to wait 5 business days for their decision.
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paul turner
a month ago
Easy to understand paperwork great…
Easy to understand paperwork great system
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marina birchill
a month ago
The representative I spoke to on the…
The representative I spoke to on the phone was so wonderful. He was kind and mived things along so quickly!
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deborah roszler
a month ago
Everyone that I talked to listened and…
Everyone that I talked to listened and was wills to help me
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leo & others jewelry’s
a month ago
Easy to navigate
Easy to navigate all system to your app .Starting from loan applications to transferred the funds. Customers support are beyond excellent. Of course with complete right documents. Thank you so much for doing business with me . And look forward for our long good business relationship.
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penny
a month ago
Loan was handled so fast
My loan was handled so fast! It was incredibly easy! And the money was in my acoount a little more than 24 hours later.
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boy cruz
a month ago
Love Upgrade!
Excellent service and process is very straight forward. All complimenting products and services were offered timely.
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lynnea hernandez
a month ago
I appreciate how quick and easy it is…
I appreciate how quick and easy it is to get the loan. I have done business with you before. I trust the process. I was funded by the next day. Now I am able to use the money the way I need to. Thank you.
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william conwell
a month ago
It was very professional
It was very professional, the service and payout happened quickly. Very satisfied.
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chuck yanez
a month ago
Easy and quick.
Easy and quick.
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jo m
a month ago
Unfair Business Practices …
I had a credit card through Upgrade and without warning they closed my account due to a credit report delinquency that turned out to be a report error. Provided proof to upgrade and they said it didn't matter it was permanent.