Upgrade Reviews

Upgrade Reviews
4.7 out of 5 stars
274 Reviews

From Borrowers in the last year


Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

4.5 5

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Most Helpful Positive Review

Jan 17, 2020
UpFrontReviews Borrower

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.

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Most Helpful Negative Review

Feb 27, 2020
consolidation loan
racecar415 Borrower

Made my first payment yet have never received all the funds......only 1 of  the 3 credit cards has received payments so I am already paying back on money not fully received and still paying 3 monthly payments instead of 1 payment. I have spent numerous hours on hold trying to get this resolved over the past 5 weeks but it is still not resolved.

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

Aug 10, 2020
Easy application process.
Qteman Borrower

While the application process was pretty easy and smooth, it did take about two weeks to get an answer on approval. I had to call a couple customer service a couple of times and they told me they had just been very, very busy. Once my loan was approved though, the funds were in my bank account within about 3 days. 

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Aug 10, 2020
Very friendly process easy to understand

This loan was a user friendly and pretty quick process without annoying requests for additional persoanl data or access to personal accounts or documents. I was very impressed with the overall process and would recommend giving Upgrade a shot.

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Aug 10, 2020


Aug 10, 2020
Home Improvement
Guidee Borrower

Approval and funds in my account happened quickly!

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Aug 10, 2020
Home Improvement
Guidee Borrower

Approval was quick along with my funds in my account.

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Aug 09, 2020
We’ll see.
Ripper135 Borrower

Applied and it fell into a black hole.  Two weeks later, the money showed up.  Paid off all my credit cards.  No interaction with customer service yet.  But looking forward to it.

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Aug 03, 2020
Lightning fast
Vegana Borrower

THe while process was fast, easy and convenient. 

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Aug 01, 2020
Process was easy and received funds fast
Wrotenc Borrower

rates are reasonable and no early repayment penalties

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