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Upgrade Review

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Reviews 13,118

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Michael Dinich
Michael Dinich
May. 04, 20214 min read

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 6% of loan amount
  • Applicants required to have free cash flow of at least $1,000
Upgrade at a glance
3.8

Editorial score

Variety of loan types

Offers all loan types

5.0

Online experience

Good online resources, but no access to rates

4.0

Customer services and support

Multiple ways of reaching lender but limited hours

3.0

Loan amount range

Loan amount up to $35K

3.0

Repayment flexibility

Loan terms up to 60 months

4.0

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 3 or 5 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 5.94% - 35.97%*. For the lowest rates, applicants must agree to automatic monthly repayments. All loans have an origination fee of 1.5-6%, which is deducted from the loan amount at the beginning. Applicants can choose from repayment terms of either 3 years (36 months) or 5 years (60 months). Monthly repayments depend on APR, origination fee, and loan duration. For example, if you receive a $10,000 loan with a 36 month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your bank account and would have a required monthly payment of $343.33. 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 APRs of 5.94% - 35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% 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 $343.33. Over the life of the loan, your payments would total $12,359.97. 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 lending partners. Information on Upgrade's lending partners can be found at https://www.upgrade.com/lending-partners. 

Michael Dinich
Written byMichael Dinich

Michael 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 expert 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 costumers are saying about Upgrade
Upgrade
ExcellentReviews 13,118
on
Excellent
82%
Great
12%
Average
2%
Poor
1%
Bad
3%
  • author
    Ronald Card
    6 hours ago
    Excellent service and quality

    Excellent service and quality

    ...

  • author
    AMBRA MAURER
    6 hours ago
    All went smooth and fast

    All went smooth and fast. Customer service was great. Got my funds immediately

    ...

  • author
    MARCUS FERNANDO BEATY
    8 hours ago
    Thanks upgrade you are number one

    Thank for trusting me with the credit I have and this will help me and my family as time gets hard. Up grade is one company I will go bat for. Thanks a lot

    ...

  • author
    MARK NICHOLS
    8 hours ago
    The process was easy and the product…

    The process was easy and the product seems outstanding! I would recommend it to anyone.

    ...

  • author
    JESUS HERRERA
    9 hours ago
    Application was simple and easy.

    Application was simple and easy.

    ...

  • author
    NELSON MAYES
    9 hours ago
    Great service

    Great service

    ...

  • author
    Matthew Miller
    9 hours ago
    Awesome card I love it thank you…

    Awesome card I love it thank you upgrade for upgrading my life

    ...

  • author
    Teresa Davis
    9 hours ago
    Hello

    Hello I Love it

    ...

  • author
    Megan Ennis
    15 hours ago
    The worst process with no communication

    I applied for a loan over two weeks ago. Ten whole business days have past since I submitted my documents for final review. I had to call five business days after my documents were submitted after I had sent not one but two emails to costumer service looking for answers. I had to call three days in a row because call wait times are greater than 30 minutes. I waited 45 minutes the first two calls and then almost an hour on hold the final time I called and got through. Once I told the women I was trying to get any update at all so I know what’s going on with my application. She said oh sorry we are just really busy, let me review your documents and verify your bank. It was done right then in five minutes. OK. But too busy to respond to emails and phone calls to update your customers?? Come on. Now it has been five business days since that call and still no updates or movement with my application. I went with upgrade because the good reviews and they advertise getting approved and getting money to be fast. I should have just gone through my bank a credit union and I would never have to deal with this company and have my loan money for home improvements. You are dealing with peoples credit here. A better line of communication is necessary. That was five days ago. I am very disappointed and frankly annoyed with this whole process and situation. I will NEVER use or recommend this company to anyone and to those of you who may be thinking I’m disgruntled for being denied or having bad credit. I don't and I wasn’t denied. That’s part of what’s so frustrating. I know my credit is great and my income is substantial so it’s really just slow moving and poor customer service on the company’s end. STAY AWAY.

    ...

  • author
    Edward Orosco
    17 hours ago
    Great customer service

    Great customer service. Very helpful and knowledgeable.

    ...

  • author
    CLAYTON MCELRAVY
    18 hours ago
    I received an offer in the mail from…

    I received an offer in the mail from Upgrade, so I decided to complete the application process and submit it for approval. The approval process included some uploading of financial information. I gathered the financial information and completed the process. Then I spoke with Justin from Upgrade to help me. Everything went as it should have. I am pleased.

    ...

  • author
    Leighton Yates
    18 hours ago
    I am very pleased with the…

    I am very pleased with the ptofessionslism displayed, look forward to a long term relationship with Upgrade…

    ...

  • author
    DARRYL HINES
    21 hours ago
    My representative was timely

    My representative was timely, thorough and thoughtful. She answered my questions and made the refi process easy.

    ...

  • author
    Derek Dawson
    a day ago
    Great card

    Great card, easy to use app, helpful customer service, what else could I ask for. I would highly recommend adding Upgrade to your wallet!!!

    ...

  • author
    Jeremy Evans
    a day ago
    Very fast and helpful

    Very fast and helpful. Customer service was very friendly prompt response and good outcome. Thank you.

    ...

  • author
    steven harris
    a day ago
    The application process was simple and…

    The application process was simple and straight forward, the review from Upgrade took less than 48 hours for approval. i received a temporary card via email and my card came within a week.

    ...

  • author
    Shirley Jones
    a day ago
    I am grateful for the opportunity to…

    I am grateful for the opportunity to build my credit back after COVID and disability! I’m very happy at how easy it was to do. You made it easy for me. Thank you. I don’t have my card yet. But am sure it will be here soon.

    ...

  • author
    Shelley McIntyre
    a day ago
    Great offers!

    Great offers!

    ...

  • author
    sharon dalessio
    a day ago
    excellent

    my first time getting a loan, the process was simple and secure .. fast ...

    ...

  • author
    ASHLEY
    a day ago
    Great service

    Great service

    ...

  • author
    Matthew Roseberry
    a day ago
    Upgrade is great

    I'm very happy with upgrade

    ...

  • author
    Carlos rodriguez
    2 days ago
    Excellent customer service..

    Excellent customer service..

    ...

  • author
    Gaston Garces
    2 days ago
    Your company has helped me get a better…

    Your company has helped me get a better financial piece of mind. I really appreciate it.

    ...

  • author
    Atrebila Wallace
    2 days ago
    Unbelievablely easy!

    Unbelievablely easy!

    ...

  • author
    JOHN
    2 days ago
    Decided to buy a commercial vehicle…

    Decided to buy a commercial vehicle cash due to the fact financing through traditional required a lot more paperwork and opening up business account. Upgrade fees where less than my previous loan provider and had more flexible terms for repayment. Within 2 days funds were deposited into my business account,. Application was easy online no need to speak with anyone .

    ...

  • author
    Jeffrey Stansbury
    2 days ago
    Super fast and easy

    Super fast and easy. Submit what they ask for and approved 5 days later. And we saved 15% on interest alone vs our 29.99% credit card debt. Can finally breathe again. Great experience so far?

    ...

  • author
    MICHAEL BEROUNSKY
    2 days ago
    Quick and easy process!

    Quick and easy process!

    ...

  • author
    SONIA EVANGELISTA
    2 days ago
    Fast service

    Fast service

    ...

  • author
    HENRY ARIAS
    2 days ago
    Thanks for your help 👍

    Thanks for your help 👍

    ...

  • author
    Mickie Councill
    2 days ago
    I’m not able to reach out to anyone…

    I’m not able to reach out to anyone with questions!

    ...

  • author
    Marcia R
    2 days ago
    I am a new Upgrade card holder but can…

    I am a new Upgrade card holder but can say at this point Upgrade has been quick to approve my card and send correspondence.

    ...

  • author
    Sherry Bowman
    2 days ago
    Great service

    Great service

    ...

  • author
    David Bittner
    2 days ago
    Application was easy,took a couple of…

    Application was easy,took a couple of days to be approved, got money in 3 days,all good,be nice to talk to people once in awhile.

    ...

  • author
    JUAN
    2 days ago
    Thank you for everything

    Thank you for everything

    ...

  • author
    David Dodson
    2 days ago
    Two things ,,,,

    Two things ,,,,, 1) I tried calling your customer service 3 separate times ,,,, the first two time I sat on hold for over an hour both times before I hung up, not ever talking to a live person. The third time I sat on hold for over an hour and a half before a live person actually answered the phone ,,,, so I sat on hold for a total of over three and a half hours for something that was handled in 5 minutes after a live person actually answered the phone. To tell you the honest truth after all that if i could have figured out how to cancel my application with you I would have , that is no way to conduct business . 2) I contacted you to get a loan I did not contact you to join a Credit Union, if that is a mandatory requirement to get a loan with you you should tell a person up front, not wait till they are done with the whole loan process , and wait for three or four days on hold to find out why I have to join said Credit Union ...

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  • author
    Paula Alvis
    2 days ago
    Awesome service and acuracy.

    Awesome service and acuracy.

    ...

  • author
    k. white
    2 days ago
    The application process was easy and…

    The application process was easy and straightforward. They offer reasonable rates and offer good products.

    ...

  • author
    IB
    2 days ago
    Awesome lending company

    Awesome lending company. Super quick process. Very reasonable borrowing terms. All online, literally can be done in 10 minutes. Money is available next day. 👏 I can recommend Upgrade to anyone.

    ...

  • author
    Steve Aldaco
    2 days ago
    I was very pleased with upgrade loan…

    I was very pleased with upgrade loan service, their loan rates are some of the best on the market. Ihad no problem with their application process. I recomand upgrade to anyone ,who need a loan.

    ...

  • author
    Paul M
    2 days ago
    Thanks for good service

    Fast service

    ...

  • author
    Antonio Valdes
    2 days ago
    It was an easy process

    It was an easy process, very professional and all done in a timely manner.

    ...

  • author
    DANIEL PATTI
    2 days ago
    Easy application

    Easy application, very quick approval.

    ...

  • author
    Worth Hooper
    2 days ago
    Very easy to use help out a lot will be…

    Very easy to use help out a lot will be using this service agen

    ...

  • author
    Karen Renz
    2 days ago
    The personal loan process was a little…

    The personal loan process was a little confusing. I received an email saying my loan was approved and in the same breath I received an email saying my application was denied. I received a Visa card via email and another in the mail. I have used the card a few times. One email said it was approved and another email said it was not approved. I am confused.

    ...

  • author
    michael
    2 days ago
    I am very pleased with all aspects of…

    I am very pleased with all aspects of my upgrade loan

    ...

  • author
    Richard Princewill
    2 days ago
    Great loan application processing with…

    Great loan application processing with seamless transaction and funding access when needed. Very pleased with the entire team at Upgrade!

    ...

  • author
    Shavon
    2 days ago
    Overall a smooth and easy process

    Overall a smooth and easy process! Fair fees and reasonable payment options.

    ...

  • author
    Anthony Sanders
    2 days ago
    Upgrade has been a life saver for my…

    Upgrade has been a life saver for my family and myself especially with everything going on they really helped me pull through some hard times

    ...

  • author
    Rosemarie
    2 days ago
    It’s easy and quick process I…

    It’s easy and quick process I definitely recommend to my friends and family

    ...

  • author
    HA
    2 days ago
    Perfect for helping me build credit!

    Perfect for helping me build credit!

    ...

  • author
    Rivers of Living Water Apostolic Church
    2 days ago
    It was quick and easy to qualify

    It was quick and easy to qualify. I was able to do it all on-line. They were great.

    ...

  • author
    Lenora Paterson
    2 days ago
    Quick and painless process

    Quick and painless process. Best I have ever used.

    ...

  • author
    P W
    2 days ago
    Simple process!

    I really had not been able to find any company to help me at a time when I really needed it the most. Upgrade allowed me to accomplish what I needed to do to get back on track. Their process was very simple and very straightforward and greatly appreciated.

    ...

  • author
    Richard Leavell
    2 days ago
    Awesome service

    Awesome service

    ...

  • author
    Mr Perkins
    2 days ago
    Don’t tell someone they are approved…

    Don’t tell someone they are approved for a certain amount then trim a percentage off the top when you send the funds. I feel like that’s illegal but you likely embedded some fee conditions into the terms. So dishonest.

    ...

  • author
    john medrano
    2 days ago
    So far I trust upgrade

    The application went smooth but it took a little longer to get the loan into my account then I expected.

    ...

  • author
    Bette F.
    2 days ago
    Good Second-Chance Option

    I needed a second chance loan after having a business to capsize. I returned to the workforce, so I had sufficient income but no credit to match. Upgrade provided that opportunity. The communication during the review process was a little slow, but I’m glad I chose them and that they were willing to finance me. In my opinion, their interest rates are reasonable and terms fair.

    ...

  • author
    Bob Salerno
    2 days ago
    Thanks, Upgrade!

    When I received the email to check rates I was pleasantly surprised and jumped at the chance to rejoin Upgrade to consolidate my CC debt. I got the amount I wanted, the process was super easy and the website gives your all the options you would need. Thanks for lowering my payments by over 300 a month! Just a great experience. Thanks, Upgrade!

    ...

  • author
    Thomas R Martinez
    2 days ago
    Thanks

    Great opportunity and easy

    ...

  • author
    Murray cansler
    2 days ago
    Quickest and easily able to apply for

    Quickest and easily able to apply for

    ...

  • author
    Wendy Moreland
    2 days ago
    Pretty easy to obtain a loan and make…

    Pretty easy to obtain a loan and make auto payments.

    ...

  • author
    Larry Tarpley
    2 days ago
    I thank upgrade for giving me a new…

    I thank upgrade for giving me a new start

    ...

  • author
    Evan Stoeber
    3 days ago
    Painless process to be able to be back on top!

    Y’all approved me for the upgrade card and got the funds and now i can fix all of my broken vehicles, my half remodeled house and in turn fix my life. Thank you for your speedy help!

    ...

  • author
    F.C.
    3 days ago
    Inexistent Client Support

    Like many other reviewers, I received a pre-offer via Credit Karma. My objective was to lower the APR on 2 of my credit card accounts. The rate wasn't amazing but still much better than my existing credit cards. After tailoring (amount, maturity, etc.) and accepting the offer, I was asked to upload a doc to prove my bank account which I did. This was 2 weeks ago and I'm still waiting! I tried to reach out to the number listed on their website and never had someone on the other side even after an hour long wait. I also emailed the support over 5 times and got bot generated generic answers. This was a really bad experience and I wonder how it could happen to a company with so many positive reviews!

    ...

  • author
    DARRELL MACK
    3 days ago
    The process was easy and fast.

    The process was easy and fast. Customer service is great.

    ...

  • author
    GLORIA GRIFFIN
    3 days ago
    The process was rather easy

    The process was rather easy

    ...

  • author
    Charlene Johnson
    3 days ago
    I been getting double billed with…

    I been getting double billed with Upgrade and they are reporting to my Credit reports missing payments and lately the Customer Service line is not picking up I been hold now for over a hour and sent several emails and no response I been having a horrible experience with this company IM NEVER LATE PAYING MY BILLS. I been having this account since 2019

    ...

  • author
    LORI MERGELL
    3 days ago
    I had a great experience with this…

    I had a great experience with this company. Very professional.

    ...

  • author
    GRETA G VAUGHEN
    3 days ago
    my experment was very good no problem

    my experment was very good no problem

    ...

  • author
    MICHELLE ROSENAU
    3 days ago
    They made it so easy

    They made it so easy

    ...

  • author
    TRACY WOOTEN
    3 days ago
    I've had to call for customer service 3…

    I've had to call for customer service 3 times now and the wait time to speak with someone is 45 min to over an hour.

    ...

  • author
    John Monti
    3 days ago
    The process was quick and easy and…

    The process was quick and easy and money available within a day. I like the financial setup with my bank and monthly reminder as to when the bill is ready and will be withdrawn. No need to remember which at times is very helpful.

    ...

  • author
    KB
    3 days ago
    Great

    This is a great company!

    ...

  • author
    Michelle
    3 days ago
    Great Experience

    In my usual manner, I was skeptical when the offers were popping up on Credit Karma. However, the process was so easy, quick and the funds were delivered within days. Would definitely recommend!!!!

    ...

  • author
    Jean Kane
    3 days ago
    I recently secured a loan through…

    I recently secured a loan through upgrade and was very happy to receive a low interest rate. Part of the agreement for the loan was that other debt be paid off. One debt was an Avant loan. Funds were listed as sent and a credit card and my bank account received funds. However, the Avant loan did not have funds immediately listed. I called Avant and was told no funds were pending. It made me nervous so after a week I called Upgrade at which time I learned that the funds to Avant could not be electronically assigned. It would have much less stressful if I could have know that at the start. Other than that, my experience with Upgrade is positive.

    ...

  • author
    Curtis Rebsom
    3 days ago
    Upgrade

    It was fast and easy to process the loan from upgrade,I would recommend it to anyone.thankyou

    ...

  • author
    Jack Armstrong
    3 days ago
    Very helpful right on time

    Very helpful right on time. Thank you

    ...

  • author
    STEPHANIE LISEK
    3 days ago
    Needed a loan for debt consolidation

    Needed a loan for debt consolidation. Would have liked a lower fee but they were able to lower my interest rate from what I was paying in my credit cards. Was a simple and easy process and they paid my cards quickly. Would recommend!

    ...

  • author
    Thomas Ciavolella
    3 days ago
    So far my experience has been top notch…

    So far my experience has been top notch I phrase it this way because I am a new customer that being said I found their support staff to be very knowledgeable in answering my questions and clearly explaining the process to me as well as being very polite.

    ...

  • author
    Marry Catherine Reynoso
    3 days ago
    First time with Upgrade accnt

    It was great and awesome fast and reliable specially protection was absolutely taking care of... highly recommend!

    ...

  • author
    JJJ
    3 days ago
    This is my second time in working with…

    This is my second time in working with Upgrade and the process was very easy online and met all of my expectations to accomplish my financial goals. Thank you Upgrade

    ...

  • author
    Timeeka Dancy
    3 days ago
    The approval process was fast and the…

    The approval process was fast and the funds came fast

    ...

  • author
    William Corbin
    3 days ago
    A very quick process and straight to…

    A very quick process and straight to the point. Reasonable payments and is very flexible with date changes. I have no complaints.

    ...

  • author
    Tejas P
    3 days ago
    Excellent

    Excellent, and very easy processing.

    ...

  • author
    Kimberly Bond
    3 days ago
    Easy application process but poor…

    Easy application process but poor communication. 24 days out and each time I had to reach out to them to see what was needed to finish the process. I got so frustrated that I withdrew the application. I would not recommend them to anyone.

    ...

  • author
    Jerry Glass
    3 days ago
    I have nothing but good things to say…

    I have nothing but good things to say about Upgrade, easy to work with, fast service, affordable payments. Very helpful when other lenders weren't. This is my second time using Upgrade and recommend it to my friends. Thank you and I'm sure I will use Upgrade in the future. Jerry Glass

    ...

  • author
    John Geesey
    3 days ago
    Fantastic

    Fantastic, quick decisions and very easy website. The only complaint I have is if you need to phone upgrade for anything it is a long wait.

    ...

  • author
    Luis Wilson
    3 days ago
    Easy application process and the app is…

    Easy application process and the app is great.Thank You for the loan.

    ...

  • author
    MARION ASHLEY MITCHELL
    3 days ago
    Awesome company

    Awesome company, really didn’t think I was going to be approved, and for the amount I did. Glad I gave it a try. Upgrade came through for me when I really needed it. Thanks Upgrade 👍👍

    ...

  • author
    Jessica Reaves
    3 days ago
    Was hesitant but was a very good…

    Was hesitant but was a very good decision. I recommend.

    ...

  • author
    Arthur Taylor
    3 days ago
    It is not clear that you have to sign…

    It is not clear that you have to sign up for the credit union to receive your funds.

    ...

  • author
    Marvin Parker
    3 days ago
    The greatest value to upgrade is the…

    The greatest value to upgrade is the customer service. They aren't trying to fool you or swindle you. They very friendly, honest and have your best interest in mind. It has help tremendously!!! Thank you team

    ...

  • author
    David E Figueroa
    3 days ago
    Great resource

    The application process was easy, simple, and fast. It is a great resource to have for those unexpected expenses.

    ...

  • author
    DAVID PALMATIER
    3 days ago
    I got approved but haven't used it…

    I got approved but haven't used it yet.I'm not sure if I get a card or what.

    ...

  • author
    EDWARD S
    3 days ago
    Very quick approval and funds…

    Very quick approval and funds distribution. I will use them again in the future.

    ...

  • author
    Christopher Rivera
    3 days ago
    Great and effective service.

    Great and effective service.

    ...

  • author
    Shellie
    3 days ago
    They get those funds deposited quick!

    They get those funds deposited quick!

    ...

  • author
    Sjs Jalal
    3 days ago
    I love it

    I love it, it’s great, great customers service

    ...

  • author
    Jose Mejia
    3 days ago
    Excellent customer service

    Excellent customer service

    ...

  • author
    Stephanie D.
    3 days ago
    Easy and quick application

    Easy and quick application! Processed and approved almost right away.

    ...

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