So far I’ve only used upgrade for vacations. It’s very simple to use and a fast process. I do like the monthly payments vs the biweekly! There are some lodging companies (ex: vrbo) or shopping compani... See more
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Review summary
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This is my second time utilizing Upgrade for debt balancing and it was just as smooth as the first time. Fast process, great right, and really a no brainer. If your looking for options to balance debt... See more
My experience was great in that it was easy to navigate the information needed to apply for loan. I love that this platform affords me the opportunity to access items, companies that as a person in a... See more
I only have one problem with pay in 4s or 6 or 12 they don’t retrieve money back when you no longer want to purchase an item . Other than that I think it’s a good idea in general love me some installm... See more
Company details
Written by the company
Upgrade is a trusted financial technology company that provides customers with access to affordable and responsible credit, mobile banking, savings, and payment solutions. With thousands of positive Upgrade reviews, we’re proud to help customers build stronger financial futures. Upgrade offers a comprehensive suite of financial products to help customers build credit, manage money, and reach their financial goals through personal loans for debt consolidation, major purchases, and other life expenses, cards that reward responsible credit use, high-yield savings and deposit accounts with no monthly maintenance fees, Buy Now, Pay Later (BNPL) options through Flex Pay, home improvement financing for projects and renovations, auto financing at 1,500+ dealerships and auto refinancing options, and free credit monitoring and financial education tools. Upgrade is a financial technology company, not a bank. We partner with FDIC-insured banks and other financial institutions that originate loans and personal credit lines, provide deposit accounts, and other services obtained through Upgrade. For more information, visit https://www.upgrade.com/. Upgrade's bank partners can be viewed here: https://www.upgrade.com/bank-partners/.
Contact info
275 Battery St, 23rd floor, 94111, San Francisco, United States
- (844) 207-7781
- contact@upgrade.com
- upgrade.com
4.7
Excellent
56K reviews
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Very easy and quick to obtain loan
Very easy and quick to obtain loan. The process was seamless.
19 May 2026
So grateful they were able to help me…
So grateful they were able to help me get the items I really needed. I did not have the total amount in cash to buy the items right away. But, paying on a payment plan was a great relief.
4 May 2026
The application and pre-approval process worked great!
The application and pre-approval process was easy and efficient, especially as compared to most banks. Terms were easy to understand and automatic payments ensure it is paid on time.
13 May 2026
The ease of the whole experience from…
The ease of the whole experience from the app to approval!
19 May 2026
Almost reliable and affordable
Almost reliable and affordable. Helps you out when you need it the most without exploiting our wallets! My go time in some of my biggest “jams” was met by this great company! Thank you!
9 May 2026
My experience was great in that it was…
My experience was great in that it was easy to navigate the information needed to apply for loan. I love that this platform affords me the opportunity to access items, companies that as a person in a fixed income usually cannot gain the ability to make use of. Payment plans and fees are affordable and an ease to take care of on a timely basis. Thank you
13 May 2026
The easiest way to pay for a big…
The easiest way to pay for a big purchase without going through a credit application.
This was super simple. Yes or no
Easy to do from home.
Online was a seamless process to apply then pay !
Honestly upgrade is the way to go with a lot of options
Just simple and private
17 May 2026
Not getting the code to sign up
Not getting the code to sign up. Tried multiple times different times a day
17 May 2026
It was an easy and streamlined…
It was an easy and streamlined experience. I appreciate how formal, cordial, and polite the representatives were. Very professional and I also appreciate the extra verification steps and security measures they have in place. All questions I had were answered. I give a 9/10 experience!
14 May 2026
Real & good loan company
Qiuck easy application process online. This company has reasonable rates and offers payments that are affordable.
4 May 2026
Finance planning Upgraded!!
This is my second time utilizing Upgrade for debt balancing and it was just as smooth as the first time. Fast process, great right, and really a no brainer. If your looking for options to balance debt or to lower for monthly bills, Upgrade can Upgrade your plan. Do your research, review, and take advantage of a good money option.
15 May 2026
The payment process was very quick and…
The payment process was very quick and straightforward
14 March 2026
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