Personal Loan from Upgrade

Personal Loan from Upgrade - see full info about rates, terms, credit score.

Updated April 23, 2022
4.09 out of 5
Check rates
On Upgrade‘s site

Check your personal loan rates

scorer
APR Range
5.94 - 35.97%
scorer
Amount
up to $50,000
scorer
Term
up to 60 months
scorer
Minimum credit score:
Fair (580-669)
scorer
No early payoff penalty

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Prosper
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Upstart
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Options

  • Loan purpose:
    Personal Loan
  • Lender:
  • Credit Level:
    Fair (580-669)
  • When funds are available:
    1 business day.

Fees

  • Origination fee
    2.9 - 8%
  • Early payment fee
    No early payment fees.
  • Late fee
    $10
  • Returned check fees
    $10

Pros & Cons

Pros:
  • Fast funding**
  • Wide range of loan amounts
  • Accessible to most borrowers
Cons:
  • Origination fee

Rates

Rates
5.94 - 35.97%
Term
36 - 60 months
Loan Amount
$1,000 - $50,000
List of states where Upgrade loan is not available:
  • Washington
View all Rates & Fees

Requirements

  • Ages

    Be at least 18 years old (19 in some states).

  • Requirements Description
    • Be a U.S. citizen or a permanent resident
    • Be at least 18 years old (19 in some states)
    • Have a bank account where Upgrade can transfer the funds
    • Have a valid email address
    • Have some form of income

Check loans from other lenders

Avant
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3.28 out of 5
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Poor (300-579)
  • 9.95 - 35.99 %
    APR
  • 2 - 5 years
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  • $2,000 - $35,000
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LightStream
LightStream
Personal Loan
5 out of 5
Recommended credit score
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Good (670-739)
  • 2.49 - 19.99 %
    APR
  • 2 - 12 years
    Loan Term
  • $5,000 - $100,000
    Loan Amount
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On LightStream‘s site
SoFi
SoFi
Personal Loan
5 out of 5
Recommended credit score
bank name
Good (670-739)
  • 4.99 - 19.53 %
    APR
  • 2 - 7 years
    Loan Term
  • $5,000 - $100,000
    Loan Amount
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On SoFi‘s site

Description

  • Upgrade personal loans are designed for mainstream appeal, supporting a wide range of credit scores and incomes.

    Upgrade offers 36-month or 60-month fixed-rate personal loans, which generally range from $1,000 to $50,000, in 44 states. Upgrade loans are not available in Colorado, Connecticut, Iowa, Maryland, Vermont and West Virginia.

    You can repay your Upgrade personal loan over three or five years.

    To apply for an Upgrade personal loan, you’ll start by filling out a one-page application to see which terms you qualify for based on a soft credit check (or credit inquiry that doesn’t impact your credit score).

    **Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

    Read full review

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