Upgrade Personal Loan Overview

Upgrades' main underwriting criteria is free cash flow. While they also look at borrowers' debt-to-income ratio and credit score, a spokesperson says, they don’t account for rent payments and other monthly expenses that can factor into your ability to repay a loan.

The idea is to keep people from borrowing more than they can afford by “having a pretty high bar in terms of how much free cash you really have at the end of the month,” says Renaud Laplanche, Upgrade co-founder and CEO.

Pros

Offers secured, co-signed, and joint loans.
Rate discount when you get a debt consolidation loan and allow Upgrade to directly pay creditors
Rate discount with autopay

Cons

High origination fee
A late fee charged if applicable

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Our Rating: 92%

★★★★★

Upgrade Personal Loan Review

Loan Amount:

$1000 - $50000

Minimum Credit Score:

620

APRs From:

6.98% - 35.89%

Funding Speed:

As soon as one day

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Personal loan lender, Upgrade offers personal loans up to $50,000 and is available to borrowers with fair credit or better. Upgrade offers fast approval and funding with competitive APRs.

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****APRs, the amount you can borrow, and terms vary depending on the lending partner.
**Personal loans from our partners offer APRs ranging from 3.49% to 35.99% + applicable fees. Our partners personal loan partners offer terms between 2 to 8 years (24 to 84 months). We receive payment from lending partners. * Ex. of a personal loan: A $7,000 loan with an origination fee of 5% will have a funding amount of $6,650, repayable in 36 monthly installments, with an APR of 16.74% would carry monthly a payment of $164 over 3 years.