Upgrade Personal Loan: how to apply

Ready to take your finances to the next level? Apply for the Upgrade Personal Loan and get money for the things you want and need.


Upgrade Personal Loan: fast and easy application!

Upgrade logo
Learn how to apply for the Upgrade Personal Loan! Source: Upgrade

You can get your money quickly and easily by learning how to apply for an Upgrade loan.

But before you apply for Upgrade Personal Loan, you need to know how the application process works. So, read on!


Personal Loan


Apply Online Fast approval

No prepayment penalty fee! Apply with a lower score!

You will be redirected to another website

In this article, we’ll show you how to apply for it and the requirements needed to guarantee your approval. So let’s get started.

How to apply on the website

smiling african american woman in eyeglasses using laptpot
Learn about the Upgrade Personal Loan application process! Source: Adobe Stock

To begin, you need to inform them of the loan amount and the purpose of the loan request. Next, you’ll choose whether to make an individual or joint application.

Below, you must provide basic information, such as name and last name, home address, birth date, and income.

Then, you will create an account by entering your email address and password. You must inform your Social Security number too.

Next, the website will show you the loan offers, with the different terms and rates available. You’ll get to choose which offer fits you best and start the loan application.

They will require some documents from you, such as pay stubs, bank statements, and more.

You can upload every document online. Upgrade may run a hard inquiry into your credit score at this application stage.

Once they have all the information needed, it usually takes a few days to approve it. If approved, you’ll be able to access the loan amount in one business day.


To apply for the Upgrade Personal Loan, you must have a minimum FICO score of 560. Therefore, it is great for applicants with lower credit scores.

Apply on the mobile app

You can only apply for the Upgrade loan through Upgrade’s website. However, it offers a great mobile app for borrowers. It is available for Android and iOS. 

Through the mobile app, you can manage your loan easily. The features include payments, balance visualization, and more!

Find other loan options: Avant Personal Loan

Don’t you think that the Upgrade Personal Loan is the right fit for you? No worries! We have another personal loan offer ready.

Meet the Avant Personal Loan, an online loan lender that will help you reach a financial goal faster, even if you have a lower credit score!

It offers a simple and quick application process and will give you almost immediate access to the loan amount in case you’re approved.

Let’s compare the rates, fees, and other details of both personal loans to see which is best for you.

Upgrade Personal LoanAvant Personal Loan
Credit ScoreAt least a good scoreGood
Loan PurposeTo consolidate debt, credit card refinancing, home improvements, large purchases, and moreConsolidate debt, emergency expenses, home improvement, and other purposes
Loan Amounts$1,000 up to $50,000$2,000 to $35,000
APR7.46% – 35.97%9.95% to 35.95%
Terms24 to 84 months12 to 60 months
Origination Fee1.85% to 8.99%Up to 4.75%
Late FeeLate payments can increase the fixed rate of your loanSee terms
Early Payoff PenaltyNoneN/A

Great perks, right? If you’re interested in the Avant Personal Loan and want to apply for it, read the next article. We’ll walk you through the requirements and the application process!

Avant logo

Avant Personal Loan: how to apply

Learn how to apply for the Avant Personal Loan! With an easy approval, you can get the money you need fast!

About the author  /  Beatriz Vieira

Beatriz Vieira is a producer and copywriter who is part of the finance writer team in this portal. She has a degree in Journalism and aims to improve her bilingual writing skills. Her subjects of most significant interest are culture, finances, and self-development.

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