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.
Most Helpful Positive Review
Most Helpful Negative Review
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.
Join the Credit Karma Community
It’s free, and you’ll get tools and info that can help you improve your financial health:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
**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.