Upgrade Reviews

4.8 out of 5 stars
309 Reviews

From Borrowers in the last year


Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

5 5

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Most Helpful Positive Review

May 03, 2018
If You Need Customer Service, ouch!
BigDaddy801 Borrower

After they deducted TWO payments within two days from my checking account, causing me two overdraft charges, it became my burden to prove to them that they had made a mistake! Their "Customer Care" was, in three words, TOTAL BRAIN DAMAGE. To add insult to injury, it too eight days for them to acknowledge their mistake and credit back to my account the money. They then contacted me and informed me they were refunding myoverdraft charges. That was almost five weeks ago and I still have yet to see it happen. Total BS.

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Most Helpful Negative Review

May 29, 2018
Light at the end of the tunnel
AndreBriscoe Borrower

The GOOD: Submitting the online application and uploading any requested documents was easy enough. The time it took to deliver the funds to my account once approved was above expectations, took about two days.

The BAD: Interest rate will be high, but if you didn't expect it too you're just being weird and failing to take the time to educate yourself on how these type of loans work. It took a full business week before anyone first contacted me to start my loan request process. There was a bank verification step where they have you do a conference call with them and your bank, and it took four additional days to get this step completed because of the unavailability of the loan agent.

The UGLY: The loan agent failed to call me back for four business days to complete the final verification step and this delayed approval. I left a message for her every day I called but she never called back. I finally ended up just calling their customer service line and asked for help from someone else.

From there it became PRETTY again.. That agent took care of me right then and it took less than 10 minutes. She then instructed me that I should have an approval within 24 hours; it actually ended up being just a few hours later.

CONCLUSION: The loan process started great and ended great, the middle part was a poor experience because of the failed follow-through by one individual. However, that person represents a major part of the company's business, so either Upgrade needs to lighten up your agent's load so that they have time for customers or get more qualified agents.

I almost decided to go with a different lender, but didn't want to deal with another hard inquiry. Of course, when it was all said and done, I'm happy because I got what I was after. Would recommend, but would definitely share my experience with people I tell about it so that they knew what to expect.

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These reviews were written by current and former borrowers in the last year.

Apr 24, 2019
Great, fair, and painless.

Great way to consolidate and lump everything in one payment!

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Apr 07, 2019
Very easy process.
ERCON Borrower

Not hard to apply for and you get your result very quickly.

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Apr 06, 2019
Beware of unusual “origination “ fee
jp8502 Borrower

Don’t borrow from this establishment! Unless you don’t mind giving them money for an unusual fee(origination fee)

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Apr 06, 2019
Charged an origination fee!
jp8502 Borrower

Please be aware of all fees! Particularly an origination fee!

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Apr 06, 2019
Such an efficient loan process!!
RidgieMom2 Borrower

It only took one day to process my loan application.   Very efficient and didn't have to send in tons of documents and information.  

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Apr 05, 2019
So easy!

I answered a few questions, had an immediate approval and in two or three days had the money.  It couldn't be easier!

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Apr 01, 2019
BellaPierce Borrower

This loan process was amazing. Incredible turn around and had money in 2 days. Thank you for giving me this option!! I will definitely be going through them in the future. 

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Apr 01, 2019
Was quick, easy, had funds in 2 days
Floorload Borrower

An excellent company to do business with.  Easy, no-hassle process.

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Mar 29, 2019
A great company.
collins122 Borrower

The process was simple and Upgrade gave me an opportunity to reestablish my credit profile.

T. Collins

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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.