Check your rate for a fixed-rate personal loan and borrow up to $50,000. Or get started with Upgrade Card in just minutes. Check out Rewards Checking with cash back rewards and more. We're here to …

Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score.

You can apply for an Upgrade card, personal loan, savings, or checking account directly on our website. Checking your rate is free, won't impact your credit score, and only takes a couple minutes.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require …

Get up to 3% cash back on everyday purchases and 2% on all other purchases with Upgrade OneCard.

Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan. Learn more about the Upgrade Card today!

A personal loan through Upgrade gives you a fixed interest rate that never changes, unlike variable interest rates that change with market conditions. The fixed interest rate eliminates the risk of …

With Flex Pay by Upgrade, you can make thoughtful purchases now and pay over time in bite-sized installments. Spread the cost of your purchase over fixed monthly payments.

Millions of families across America are now using an Upgrade Card, Loan or Rewards Checking account. That’s millions of people getting more value than they would from a traditional bank.

We partner with banks and other financial institutions who originate loans, provide deposit accounts, and other services obtained through Upgrade. It’s easy to check your rate and see what you qualify for, …