Upgrade Personal Loan review: All you need to know before applying

Unsure if the Upgrade Personal Loan is right for you? Learn all about this product in our Upgrade Personal Loan review, from interest rates and fees to eligibility requirements!


Upgrade Personal Loan: No early payoff fees!

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Upgrade Personal Loan full review. Source: Upgrade

We have a great solution for you if you need cash for an emergency, refinancing debt, or even make large purchases. To find out more, read this Updrage Personal Loan review.

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Upgrade Personal Loan: how to apply

Need a personal loan? Learn how to apply for the Upgrade Personal Loan and get your money with a few easy steps.

This post will cover this personal loan’s features and compare its rates, terms, advantages, and disadvantages. So let’s begin with this full review.

Credit ScoreAt least a good score
Loan PurposeTo consolidate debt, credit card refinancing, home improvements, large purchases, and more
Loan Amounts$1,000 up to $50,000
APR7.46% – 35.97%
Terms24 to 84 months
Origination Fee1.85% to 8.99%
Late FeeLate payments can increase the fixed rate of your loan
Early Payoff PenaltyNone

Upgrade Personal Loan review: what you need to know

Upgrade Personal Loan offers quick loan solutions for borrowers, in every state of the U.S., except West Virginia, Iowa, and Washington, D.C.

Also, the Upgrade Loan allows an individual or joint application. Moreover, it offers loans that range from $1,000 to $50,000.

It can be used for various purposes, such as debt consolidation, large purchases, medical expenses, credit card refinancing, and home improvements.

These were just some examples, but this personal loan is not limited to these purposes.

However, the Upgrade loan cannot be used for college expenses, investments, illegal activities, or gambling.

The term of repayment range from 24 to 84 months. The rates will vary between 7.46% and 35.97% APR.

This personal loan comes with an origination fee of 1.85% to 8.99% of the loan’s amount.

No early payoff penalty is charged. Therefore, borrowers can make early loan payments without additional costs.

Upgrade offers discounts for borrowers, but it will depend on the qualification process.

Also, when approved, the requested amount will be disbursed quickly. In just one business day, the money will be available to you.

Upgrade Personal Loan main features

smiling man using smartphone
Upgrade Personal Loan main features! Source: Adobe Stock

Upgrade Personal Loan is a great way to guarantee the money you need quickly.

But it is important to be aware of its benefits and drawbacks. So let’s compare the pros and cons of this personal loan product.


  • Offers a large range of loan amounts;
  • Offers large repayment terms;
  • Charges no prepayment penalty fee.


  • It charges origination fees;
  • Charges higher APR.

Credit score required to apply

If you want to apply for the Upgrade Personal Loan, you must have a FICO score of at least a good level.

Still, applying with a higher score would be best if you want to guarantee better rates.

Upgrade Personal Loan application process: how does it work?

Applying for this personal loan is simple and fast. You can complete the prequalification and application process with a few steps.

If you want to learn more, read the next post. We’ll teach you how to apply for the Upgrade loan in detail.

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Upgrade Personal Loan: how to apply

Need a personal loan? Learn how to apply for the Upgrade Personal Loan and get your money with a few easy steps.

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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