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Upgrade personal loans Upgrade offers affordable personal loans with low, fixed interest rates that will never change, affordable monthly payments and no prepayment penalties. Upgrade is a trusted partner of Experian. Advertiser Disclosure Est. APR 7.74 - 35.91% Term 36 - 60 mo Loan amount $1,000 - $50,000 Est. monthly payment $31 - $1,804
Loan details Affordable loans from $10,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties Quick online application -- get pre-approved in just minutes Checking your rate won't impact your credit score Review multiple loan options so you can pick the amount and term that fits your budget and timeline With automatic payments and a customizable due date, managing your personal loan through Upgrade is easy and will give you a clear payoff date Lender disclosure 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 Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. Repayment terms from 24 to 84 months. For example, if you receive a $10,000 unsecured loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states. Upgrade is a financial technology company, not a bank. Personal loans issued by Upgrade's bank partners: https://www.upgrade.com/bank-partners/.
Pros and cons† Low loan amounts
Offers prequalification
Quick funding
Θ Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more .
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Upgrade personal loan reviews Opinions are provided by Experian users that are actual loan customers and do not reflect the views of Experian or the lender.
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.
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How to find the best loan for you With Experian, you can compare personalized loan offers matched to your credit profile from partners like Upgrade and more. 1 Get matched to personal loans Just answer a few questions about the loan you’re looking for so we can match you to your personalized loan offers.⍉
2 Choose the one for you Compare rates from multiple lenders. Filter by loan term or monthly payments.
3 Get cash Apply to loans matched to you and get the funds you need.
See your loan options Checking your loan options will NOT hurt your credit scores.
⍉ Results will vary. Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Application is subject to a credit check, which may impact your credit scores. Offers not available in all states. Marketplace licenses and disclosures .
Personal loan calculator Use this calculator to compare loan amounts, rates, and terms to estimate what you'll pay for your loan.
Look for these features when comparing loans Pre-approval Check to see if you have pre-approved loan offers in the Experian marketplace.
No Ding Decline™ When applying for a loan, most lenders will perform a hard inquiry on your credit report which could negatively impact your credit scores.⊛ With Experian's No Ding Decline, only a soft inquiry is performed when applying for loans labeled No Ding Decline, so if you are declined there is no impact to your credit scores.
See your loan options ⊛ Applying for loans labeled No Ding Decline™ won’t hurt your credit scores if you aren’t initially approved. Initial approval and/or acceptance of this loan may result in a hard inquiry, even if you’re unable to pass final verifications, which may impact your credit scores.
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† Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.
Ψ Opinions expressed here are author’s alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities, unless sponsorship is explicitly indicated. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website.
*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Advertiser Disclosure: The offers that appear on this site are from third party companies that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
