Upgrade Reviews

4.8 out of 5 stars
320 Reviews

From Borrowers in the last year

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

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

Feb 09, 2018
Good, but high initial loan fees.
snwahs Borrower

$30k loan with a $900 fee is a bit excessive.  Otherwise application process was simple, easy approval within 2 business days.  Time from application to funds in my account was 5 days and customer service was a pleasure to work with.

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Most Helpful Negative Review

Oct 12, 2017
FRUSTRATING
MsLadyE5 Borrower

After receiving countless offers in the mail from this company, I finally was in need for a loan very unexpectedly. I applied online and my rates ended up being even lower than the offers I'd been receiving from them so I figured this would be easy breezy. The next step was to upload paystubs which I did immediately and figured it would be reviewed once the office opened in the morning and everything would be great. But no, this wasn't the case!! After not hearing anything back by late afternoon I decided to reach out to them for an update and was told "yep everything looks good, your information is just being reviewed and you'll receive an email by tonight with the status". Once again, I'm thinking everything is good, I'll get the approval email and the funds will be sent today and I will see it before the end of the week. The next day rolls around and still no email, no update on the website and no call so I reach back out to them. This time I'm told I need to send in a bank statement and that everything else looks good which once again I did IMMEDIATELY! Hours have gone by again and still no email or online update. At this time I'm extremely frustrated because this is in no way what I've ever experienced when taking out a loan so I call again. This time I get the same scripted answer of it's being reviewed but this time, I should receive an email within 24 hours. I let her know that time was of the essence for me and to just let me know if I should go somewhere local because I need the cash in hand BEFORE the end of the week. She placed me on hold to supposedly have someone complete the review while I was still on the phone and then comes back with the I should hear something within 24 hours. At this point I just wanted to SCREAM!!! I end up getting a call back in about 20 minutes from someone else telling me that the account I wanted the funds sent to didn't have enough activity and could not be used. By then I was livid. WHY did it take this long to provide that information to me? So she says that if I can provide another verifiable account then they can proceed. YES, I have more than one account but wanted it sent to that one because I don't have an active debit card on it which prevents me from touching it. I then had to update my bank info on the website and she then said we can do a conference call to the back to verify the account is mine and active. I still don't understand why the same thing couldn't have been done with the original account that I wanted to use. I FINALLY received the approval email last night, but then got another one afterwards requesting another bank statement so I called this morning to see what that was about. I was told to disregard it and that the funds will be sent sometime later today and will need to wait another 1-4 business days for my bank to process it. Today is THURSDAY which means tomorrow is Friday... I will NOT be getting the money that I needed BEFORE the end of the week. This process began on MONDAY!!! I will be paying this loan off VERY early and will never do business with nor recommend this company to anyone!!!

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

May 10, 2018
Very easy.
Anonymous Borrower

This company was awesome to work with

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May 09, 2018
a great jumpstart a better credit rating
BioRobotic Borrower

Use it as a tool, not just availale credit

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May 09, 2018
credit consolidate
Anonymous Borrower

great!

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May 09, 2018
Fast and easy loan.
MommaJ49 Borrower

After being denied by other lenders because of low credit score I was surprised this one was approved.  Will definitely help pay off a bill and bring my credit score back up!

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May 08, 2018
Very helpful when consolidating debt.
Anonymous Borrower

$300 taken from loan to pay for origination fee. Takes a day or two after sending pictures of pay stubs for the loan money to hit your account. Quick and easy. 

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May 08, 2018
Quick and easy!

Fast and friendly service to help you get your credit better by paying off some debt.

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May 08, 2018
Anonymous Borrower

The requirements were simple. The whole process was easy. Customer service was immediate. It was a pleasant process 

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May 07, 2018
Easy application and process
TINAH1 Borrower

Simple, quick and easy. 

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May 07, 2018
Easy as 123
RIRICK111 Borrower

Quick to fund... A few documents and application

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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.