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Overall this was an awesome experience. I have a loan with a competitor and I went to them for this loan. Because my credit was protected with a lock I received a decline. Upgrade took the time to look over my credit, have me do a temporary unlock and the approved me right away. In fact, the rate was less than the other lender and Upgrade funded me overnight. They are truly the best!
Really bad experience. I paid my loan and still charged me an extra month but refuse to reimburse me. If you need money try Marcus
These reviews were written by current and former borrowers in the last year.
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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.
Legit
So, I applied for the loan Friday 1-10-20. I sent all documents requested & downloaded the app on my phone. Initally I did not hear anything back after sending requested docs. I opened the app and saw the status had changed to accepted and Funds would be sent shortly. Per their website it says that could take 3-4 business days after loan approved. The app shows you all docs pertaining to your loan which is nice feature so you have it for your records. I finally grew impatient, so Wednesay I reached out Upgrade through email. They replied back with loan has been approved and funds will arrive shortly, mind you this is the same message I had been looking at since Friday. So, I emailed back informing them of this and weirdly enough Thursday there was a change on my app showing I was approved but this time my bank info was attached. Now, I was pretty bummed thinking my 3-4 business day wait for funds just begun, shockingly I open my bank app and funds had arrived as promised. I only have a few negatives. 1. Someone dropped the ball and this should have been processed much sooner as I was approved on Friday and if I had not finally reached out I still would be waiting. So, my best advice is contact them as soon as you noticed you have been approved. Secondly, the fee they are upfront about but to only get $2865 of a $3000 loan is a pretty hefty up front cost. All in all I am happy I applied and if you are wise with the loan this can help you greatly. This is a legit company and funds will arrive. Just be mindful that if you are not proactive you may wait longer that is my only suggestion if you need funds ASAP.
This was the easiest by far
Intrest rate was pretty good.
Easiest loan I have ever applied for.
I applied for a credit card debt consolidation loan. The loan process was simple and the response from Upgrade was lightning fast.
I couldn't be happier with my experience with them.
“The easiest loan ever”
It was quick and easy! I'm really glad I had credit karma do the job for me to find them because the process was incredibly fast I apply on a Wednesday night and my money as in my bank account by Friday morning! I highly recommend this lender
Great Start - Horrible Finish
To be clear, getting the loan was fast, easy and hassle free - the problems started after that. While the application and set-up are all online, the online system is lacking - ESPECIALLY if you are attempting to pay more than the minimum or pay off the loan in question. With that said, if you skip to the bottom of this review, I have other companies I have used in the past and evaluated for additional options.
The first frustration happened when I wanted to send an additional payment - most other companies permit you to post additional payments in between billing cycles, Upgrade does not. The website does appear to allow you, but in all actuality, it does not.
The final straw was when I paid off the account, it asks you to input a routing and account number, which I did and confirmed it (their customer service staff acknowledged the additional account), but then they drafted it from the previously used account number. For some, this would not be an issue, for me, it was and it resulted in me being overdrawn in an account, having to take a half of day off a work and get a cashiers check to the other bank and negotiate on overdraft fees. Why I feel this is not my responsibility - I specifically identified and confirmed the routing and account number the funds were to be drafted from.
Their customer service staff was polite, but relatively clueless and were offended by my anger and frustration. With that said, I am confused how a customer should respond when your initial pleas for assistance is met with, "there is nothing I can do" and when urgently trying to find a resolution they want to discuss why they made the mistake.
Basically, my feeling is that this company makes it more difficult to make additional payments to principal and when there are errors, they are great at apologizing, but not at resolving any of the problems.
To be clear, the staff are polite, but clueless on their system - as with two representatives I got "suggestions" that weren't even possible on the website I was using.
If you are looking for a personal loan and you want flexibility, I would look to other companies - like SoFi, Discover, Wells Fargo, etc - good news, if you have an account with CreditKarma - even easier to locate additional options based on your credit score!
Super easy and quick process!
My loan was approved in 3 days. I received the money within 2 days of approval. My loan was exactly what I expected and there were no surprise fees!
Very quick and easy. it took only 2 days and I had the money in my account. Highly recommended.
It was easy and fast. I ordered on Friday and the money was in my account by Monday. Easy to use website and app
Funds deposited into account in 5 days
Depending on your credit, the interest rates can be high. Overall good experience when applying.
Consolidated Debt
Easy and fast service, great rates too. Very Painless process
Was there any fees?