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Upgrade Review
Reviews 38,227
Upgrade
Visit Site
Upgrade
Upgrade
Excellent
Reviews 38,227
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 at a glance

4.6
Editorial score

Variety of loan types

Offers all loan types
5.0

Online experience

Has learning resources, access to rates, mobile app
5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours
4.0

Loan amount range

Loan amount up to $50K
4.0

Repayment flexibility

Loan terms up to 84 months
5.0

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 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 7.96% - 35.97%*. 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 7.96%-35.97%. All personal loans have a 1.85% to 8.99% 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/lending-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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See what some costumers are saying about Upgrade
Upgrade
Excellent
Reviews 38,227
on
Excellent
82%
Great
11%
Average
3%
Poor
1%
Bad
3%
E
earl ketchum
a day ago
At this point in time there is no…
At this point in time there is no problems but I have come up for me to make an honest review
K
kellie goode
a day ago
Caller was very clear and explained…
Caller was very clear and explained every question I had. Very helpful.
R
renee batiste
2 days ago
This company is horrible at customer…
This company is horrible at customer service
T
timothy figueroa
2 days ago
Have my credit line frozen
Have my credit line frozen, even tho I’ve never missed a payment on my account.
W
william parsons
2 days ago
Upfront and honest
Upfront and honest
J
john l.
2 days ago
Easy to get things done on the site
Easy to get things done on the site. No complaints.
R
robert
3 days ago
High credit card interest rates
I had high credit card interest rates, I decided to consolidate $25k worth of debt with over 27% rates. Upgrade made it possible to reduce the rate to 16% for a personal loan… it was all done on line within 5 days to funding. I now see light at the end of the tunnel!
S
sheri
3 days ago
Not complicated
The simplicity of the application, quick reply, and short turn around time from approval to deposit made obtaining a loan through Upgrade a positive experience.
J
jewell nichols
3 days ago
Working with Upgrade was a simple &…
Working with Upgrade was a simple & effective process. All communication with the representatives was handled professionally & efficiently.
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edward allenn
3 days ago
I’d give no star if I could
I’d give no star if I could. Horrible experience with this company. They double charge my account then give a run around for the correction. I called got a person named Diamond who is the person in charge who refused to correct the situation got a run around for 2 days straight.The money they took was for food and gas and they didn’t want to hear anything gave me excuses right up to they have no access to their systems. I highly recommend you don’t ever use this company I regret it will never use this company again they do not care about their customers only the money.
S
seyed shahrestani
3 days ago
Convenient and easy app
Convenient and easy app
J
joy gehm
3 days ago
Easy to apply
Easy to apply
A
alvin
4 days ago
Process was handled quick and…
Process was handled quick and relatively easy, I appreciate the attention to their detail.
C
christopher gutierrez
4 days ago
Pretty straight forward experience
Pretty straight forward experience
G
garth
4 days ago
The Upgrade Card is very misleading
The Upgrade Card is very misleading. I applied for this card and thought it was a Credit Card, but it's not a credit card, it's just a line of credit card. The way the product is marketed is very misleading. Please be aware, and do not believe it's similar to a regular credit card issue by other banks.
D
donald
4 days ago
Customer service
Customer service. Everything that was offer is outstanding!
R
rajesh
4 days ago
Easy and convenient
Easy and convenient way to open and maintain accounts.
D
dimitrios
5 days ago
The best credit
The best visa
M
mike dianda
5 days ago
good customer service
Quick and easy good customer service
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keith wheeler
5 days ago
Poor customer service and company reliability.
We have used upgrade in the past due to how fast you receive your funds. We are always quick to pay off our loans. This last time we really need our funds quickly and upgrade failed miserably. It has been 10 days since we were approved and we still have not received our funds. If you need a quick and reliable loan company, look some where else. After multiple calls I have been told multiple times that they escalated our loan and we would have our funds in 24 hours. Again, we have yet to see any funds. Upgrade has put us in a really bad spot with their terrible service. We will never use them again.
F
francisco castro
5 days ago
Fast and easy to apply for a loan
Fast and easy to apply for a loan
J
jolie gaudet
6 days ago
Quick and easy service benefiting…
Quick and easy service benefiting customer needs
O
oluwatobi jato
7 days ago
I was luckily able to resolve my issue
I was luckily able to resolve my issue. However, an individual named Micheal from the support team displayed a very bad example of customer service. Unsatisfactory & impatient attitude, while I needed help; without any reason from my end. Just very unprofessional. Also, no follow up or cordial round up while of phone to make me feel that my issue was going to be resolved. This is not the type of customer service I received from any other support team member. I was very disappointed by this, but all in all, I’m grateful that my issue was resolved. I had to contact another support team member who was able to finish the resolution of my issue.
g
ginger henkel
7 days ago
the app is simple enough to use
the app is simple enough to use
T
thomas mulcahy
8 days ago
Quick response
Quick response - no hassle at all. Would highly recommend this service.
C
ct
8 days ago
Consumer Beware
An acct. was opened in the Dominican Republic under my name. For over a year I have been trying to close the acct. It continues to show as an active acct. with an avail. balance, even though customer service states the acct, is closed. Customer service tells me there is no way to remove the information from their website. I advise people to think very carefully before opening an acct. with this company. These practices sounds similar to what the bank with the stagecoach was doing before they were busted. I strongly advise against doing business with Upgrade. My most recent attempt to delete the acct. was today 1/27/23
J
jaime
8 days ago
Easy approval but long wait for cash
It was an easy approval process, however it’s been a week and I still do not have the money. I’ve never worked with a company which took that long to disburse the cash.
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doug titus
8 days ago
Haven't really had none yet waiting on…
Haven't really had none yet waiting on my card.
V
vanessa taylor
8 days ago
Told that process would be fast however…
Told that process would be fast however 2 weeks later and still not complete
C
cynthia hughes
8 days ago
The representative was very helpful…
The representative was very helpful considerate
H
horace mccluster
8 days ago
Trems and convince
Fast transfer. Easy payment.
R
r. tingley
8 days ago
Kept getting emails saying needed more…
Kept getting emails saying needed more information and then when opened the link and logged in it said the loan was "in review". This went on for just over a week and I called a couple of times. The last call the nice lady said the answer to the $45,000 loan was no. I asked what amount of loan I was approved for and she said I would have to resubmit everything and ask for a lower amount. To maybe eventually find out how much I may qualify for in a loan from Upgrade? How many hits and lowering of my credit score until I hit the "magic number" Upgrade might loan me? No thank you. That is a ridiculous way to give out loans. My last 3 tax returns were 2019 over $355K, 2020 at $324K, and 2021 $157K with credit scores of about 740+ Transunion and Equifax, 680ish Experian. Guess not good enough. Was it the 5 car loans I still have after paying off 9 other ones in the last 4 years? The one late payment in the last 7 years, obviously a mistake with over 1000 on time payments to everything else? Guess I will never know nor care at this point. I will never recommend Upgrade and of course tell anyone who asks to never bother applying. Thank you for soliciting feedback but doubt you wanted to hear any of this.
T
tammy yoch
8 days ago
Great customer service!
Great customer service!
J
jorge portillo
9 days ago
Quick response no hustle and friendly…
Quick response no hustle and friendly application to fill out. Great promotion
M
miss ilana steinberg
9 days ago
I would like to get a lone
I would like to get a loan and I got a loan from you before and I paid it off way before the due date! Just because I out in the wrong amount of money I make it is now such a problem to get another loan!
C
christine ennis
9 days ago
Interest rate was too high
Interest rate was too high
C
catherine mueller
9 days ago
fast approval user friendly site and app
fast approval user friendly site and app
L
louise
9 days ago
New Account
Very easy to open account! Friendly customer service. I transferred money from one Credit Union to another to fund my new account very very easily!
C
claryn burnett
9 days ago
The company is a fraud
The company is a fraud. They should have full disclosure. They are not a debit card or loan company. They are mor of a prepaid account using your banking.
F
felix wormley
9 days ago
I loved the service
I loved the service
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james tyler
9 days ago
Do not do business with Upgrade!!
Do not do business with Upgrade! U will regret it! I open a checking account with Upgrade last year (July). A bad decision I made. They closed my account n December with no valid reason. And canceled my card. Why? Don't know. Every time I called customer service I received a different answer. They never respond 2 my e-mails. They have a customer service rep (Tanisha) who has a pattern of disconnecting on u after she places u on hold. My account was closed n Dec, with $505.00 n my account. As of this date, I have not received my money via check by mail nor has it been sent 2 the external bank account I had linked with Upgrade when the account was opened/closed. Stay away from Upgrade! U have been forewarned. You're welcome.
a
arundhati nag
9 days ago
easy set up and transactions
easy set up and transactions
T
ty olson
9 days ago
The process from start to finish was…
The process from start to finish was smooth, good information. I will be transferring balances soon.
A
angie eddington
9 days ago
Upgrade is very helpful in many…
Upgrade is very helpful in many different ways.
M
michael garcia
9 days ago
Easy,fast
Easy,fast, and honest..ALL the things I was looking for in a loan
D
donna marlette
10 days ago
I just opened my account.
I just opened my account.
M
mrs. long
10 days ago
The account opening was very easy.
The account opening was very easy.
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michael bissell
10 days ago
Simple Lending
It was easy and really quick!
M
mamadou ndoye
10 days ago
Easy process
Easy process, relatively quick. Lower APR would have been nice, but it was still worth the investment.
E
eduardo prado
10 days ago
best credit card ever
i want to thank upgrade for the great offers it has been very helpful for people like me and i think your business is doing a great help for people in need of building credit thank you
T
thomas hoaglund
10 days ago
Saved us a ton
Saved us a ton of money in interest and increased our monthly cash flow. Awesome!
J
jennifer s
10 days ago
So easy!
Super easy to get a loan. Complete all information, link your bank account and within 1-2 days was able to receive the loan!
A
at
10 days ago
Satisfied Customer
Great customer experience using your self application portal
r
rene eckert
10 days ago
All I had to do was answer a few…
All I had to do was answer a few questions. Had a response in a few hours. Very easy to do. Wish all credit/loans were this simple. Cudos to the Upgrade family
T
trinidad martinez
10 days ago
It was quick response and approval
It was quick response and approval. Just ask for basic information. Glad I used it and so far ..Thank You
j
jack
10 days ago
great representatives
great representatives. great actually fantastic website where you can manage all products. I always get perfect advice when i call in. The rates do seem a little high but i have a poor score. Upgrade has been consistent with me for over 5 years. They truely are there to help you. Do not pay early unless you use the one time payment choice. Upgrade is commited to helping you get out of debt. It does take understanding on the customers part and diligence to achieve your goals.
Y
yeison caro
10 days ago
Thank you for helping me when I most…
Thank you for helping me when I most needed,I’m really grateful
S
seung wan kim
10 days ago
very good customer service…
very good customer service ......excellent
D
denise cacchio
11 days ago
I haven’t gotten my loan yet and it’s…
I haven’t gotten my loan yet and it’s almost a week
J
junior
11 days ago
Double charged
I feel like I’m being punished for paying a few days before my due date. My payment was due in the middle of the week so I decided to pay the Friday prior to get it out of the way. I check my bank account to see that Upgrade pulled 2 payments instead of 1. Now my bank account is overdrawn. I requested 1 of the payments to be reversed, which they said they’ll do, but it’s going to take 7-10 business days to do so. I’m sure with all the money they make they can credit my bank account. Now I’m going to be hit with overdraw fees through my bank. Will definitely think twice about paying early and once my loan is paid off steering clear of this company.
E
erica leduc
11 days ago
Forces you to sign into your bank, not just link
I didn't like how you are forced to log into your bank account with your personal credentials instead of just linking it with the routing number and account number. It gives you the option of both but you can't move forward unless you sign in with your credentials.
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amanda jay
11 days ago
Extremely dissatisfied with Upgrade
Extremely dissatisfied with upgrade and service provided. I'm a relatively new customer with upgrade, all of my payments have been pain on time and in full, I even qualified for a bonus program due to my outstanding history. As stated in the agreement the credit report relayed info to upgrade stating I was delinquent with a different account. This report was incorrect, disputed with the credit bureau and resolved because this account was actually paid off in full. Upgrade "permanently" suspended my upgrade card due to this issue and would not reactivate my account once discussed and proved this dispute was resolved and the credit report was incorrect. Instead upgrade advised this suspension was permanent and I would have to reapply for another upgrade card. I am trying to build my credit which was why I chose upgrade in the first place, I do not want another hard inquiry on my credit report for false information the credit bureau relayed to upgrade!!! I asked if they could reactivate my account instead and was told that was not an option. I do not recommend upgrade nor will I reapply for their service.
N
nicole
11 days ago
Lower your line even with perfect history
Approved me for a 5,000 credit line. My credit score has not changed and they continously "review" and lower your credit line the exact amount you have paid off. They've done this to me twice! Not an ideal situation for your credit score to constantly have a maxed out credit line when I've done nothing but make ON TIME payments for the entirety of my account being opened. DO NOT get a loan or refer a friend like they suggest. Awful company
D
deana
11 days ago
Easily applied and quickly reviewed and…
Easily applied and quickly reviewed and accepted
R
roy london
11 days ago
Change of payment date
The staff took their time to listen and advise
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chris tian
10 days ago
BEWARE! This company is super shady!
BEWARE connecting your bank I been paying on time never missed a payment and I got charged an additional charge I called and got into a discussion with the rep Makaila took me 45 to get transferred to the supervisor which was very rude as well and the next morning they withdrew a second payment after already having paid this month randomly after having the discussion. My payment is due only once a month!!! I let them know I was going to leave a review they hanged up on me too!! Not sure if this is even legal that they can charge your account multiple times without consent but I will be pursuing legal advice.
C
candice medlin
11 days ago
Very easy
Very easy, quick, and great customer service.
t
tim costas
11 days ago
Poor Service, Not Timely
Was not going to get the card when I was offered 500$ limit, but they insisted in the form of coming back around and offering me 1000$ limit. That was hard to turn down so I went for it, took forever to get approved, and took a huge hit on my credit report. All fine I guess. What IS NOT fine is that I have setup "early pay" in order to avoid interest. It is now 4 days past my early pay day of January 20th and funds have still not been with drawn from my bank. This is putting a strain on my finances, and it's personally very stressful.
S
silver quintero
11 days ago
Mal servicio, Bad service
Mal servicio, toma decisiones arbitrarias, los pagos que se realizan los actualizan tarde. Bad service, makes arbitrary decisions, updates payments made late.
C
cherylvuke
11 days ago
Online
Online, fast, and easy!
S
sandra
12 days ago
Highly recommend
It was a super easy and simple process. Overall great experience!
M
michael
12 days ago
Help when no one else would!
I appreciate them providing help when no one else would, they were kind and quick to help.
W
william rice
12 days ago
No Glitches - Solid Experience
There wasn't a glitch anywhere along the way. I know MFA/SSO can be a beast and everything just worked!!
J
joseph bertino jr
12 days ago
Great service and help with my account
Great service and help with my account
V
vince
12 days ago
The origination fee is criminal
The origination fee is criminal. Said fee was not on my original loan agreement and did not show up on documents until I had taken the loan. Additionally, I called to pay off a huge chunk and refinance the loan, but they declined. I would never use them again.
R
ricardo marquina
12 days ago
The information and how fast I got it…
The information and how fast I got it also how fast I was given options to solve my issues it really felt like the support team was looking out for me and my best interests
D
dianna
12 days ago
Very easy to complete application and…
Very easy to complete application and it is reviewed very quickly.
F
fatmata dabo
12 days ago
I have never missed a payment with…
I have never missed a payment with upgrade. I had a hard inquiry on my credit report and I received an email from upgrade that I can no longer use my card. Also even with me making all my payment on time it did not help my credit score. Upgrade does not help boost your credit just so you know before applying.
S
sd
13 days ago
Site wasn’t as user friendly as it…
Site wasn’t as user friendly as it should be.
M
matthew luongo
13 days ago
The process was very easy.
The process was very easy.
M
marvin brown
13 days ago
customer service fast, friendly and professional
customer service fast and efficent
M
mackenzi white
13 days ago
SCAM!!!! RUN!!
All the great reviews had to be paid reviewers because I did not have a good experience AT ALL!!! I didn’t want to set up direct deposit on this account because I thought it might be shady and lo and behold I have been proven correct!!!! I transferred $50 cash from another account. In 3 days I used to make purchases. NEVER got the $200 as advertised! Then…… I thought I’d transfer a higher amount of CASH from my direct deposit at another bank and now they say I have to wait 6 days for my money!!!!! 6 DAYS for CASH money to clear!!!!!!! No way!! I’ve had enough! In 6 days I will remove every cent and will not use it and will NOT recommend to anyone!!!! Just don’t do it! They are shady as can be. So glad I didn’t give them access to my direct deposits!!
C
candice taylor
13 days ago
Helping with back accounts and savings.
Helping with back accounts and savings.
J
joan harrell
13 days ago
The lady was very polite and friendly.
The lady was very polite and friendly.
A
apple new orleans
13 days ago
Upgrade is the “used car salesman“ of the financial industry
I’m sorry, but I do not trust trustpilot. Upgrade is a 1.7 star company and the fact that they have a 4.5 on this site tells me that trust pilot isn’t doing enough to prevent spam bots. Yes, I am saying that Upgrade is posting false reviews about them self. This company has declined my rent payments, declined dining at restaurants, they’ve declined my Uber‘s and left me stranded, they even declined my electric bill twice and I was without electricity for days while trying to figure it out. In fact MY ELECTRICITY IS OUT RIGHT NOW. This is a complete GARBAGE COMPANY, with limited support (it’s not as bad as AliExpress), but they are liars and they are frauds. They’ve LIED TO MY FACE and told me they weren’t blocking my Venmo/CashApp transactions (which they were) and their dishonesty extends to these fake reviews that they either wrote or paid someone to write. This piece of trash company has no problem taking money in, but when it comes to sending money out and making payments “there’s no hold on our end“ and they say that like a broken record “the holds not on our end“ oh really? THEN HOW DID YOU KNOW THERE WAS A HOLD? They’re trash- absolute deplorable dishonest fraudulent con artists. there is one thing that they are good at, and it is sales and advertising. When looking for a new credit card, Upgrade absolutely DOMINATES the top results on Google. No seriously, competitors can’t hold a candle to Uphrade’s advertising campaign. They’ve got Youtubers and all kinds of influencers pushing their sham operation. It must’ve cost him a small fortune, no wonder they’re robbing their customers blind. Upgrade is the used car salesman of the financial industry
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tara parker
13 days ago
All the associates I have had to talk…
All the associates I have had to talk to were very professional and courteous
K
kyla
14 days ago
New and excited
I’m very new, but I feel like everything so far had been exactly what I was looking for. App is easy and functional, easy to get a hold of customer service, and the perks were worth switching for.
W
willio williams
14 days ago
Application was quick and easy
Application was quick and easy. I had to submit only a few documents and I was approved.
C
cynthia rookwood
14 days ago
Excellent customer service.ontime…
Excellent customer service.ontime request granted.Affordable interest rates. Overall I would totally recommend Upgrade to any and everyonr.
S
stanthemen
14 days ago
Don't recommend
Don't recommend
W
willie turner
15 days ago
Nice people -very helpful
Nice people -very helpful
j
jauveny sene
15 days ago
Very good company and ,I’am very…
Very good company and ,I’am very satisfied
D
dennis goughnour
15 days ago
Easy process
Easy process
J
john jasion
15 days ago
Easy and speed of process
Easy and speed of process
S
sarah
15 days ago
The website was very user friendly
The website was very user friendly. When submitting the application I had to upload a document but submitted the incorrect one. I had to call them for them to reopen my account and add the link again. I feel that they should have just added the link again if the document(s) were incorrect.
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debbie
15 days ago
Quick & Easy
The whole process was very easy and quick from start to finish.
M
marcie sutterfield
15 days ago
The process has been very easy and…
The process has been very easy and convenient
N
nichole m.
15 days ago
Quick approval and easy to apply
Quick approval and easy to apply. This credit card is great for helping me improve my credit score!
M
mark gianninoto
15 days ago
Excellent Professional Team
Very Professional service team at Upgrade! Very close to customer needs with a wonderful program. I am very happy to be a current customer.
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larry brown
15 days ago
the process was quick and pleasant
the process was quick and pleasant