Upgrade Reviews

4.8 out of 5 stars
186 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 04, 2018
DILLY! DILLY!
joenate1983 Borrower

The application and approval process were seamless, smooth, and efficient. I love the electronic submittal of documents. I applied on a Saturday and was approved that Monday afternoon with the loan directly deposited into my account Tuesday morning. The interests rates/APR and the monthly payments are better than fair. I LOVE the fact that you can check your rate without a hard inquiry on your credit report. 

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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.

Feb 17, 2018
Easy Application process
Anonymous Borrower

Was very simple to apply and received the funds in just a few days

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Feb 16, 2018
Relatively fast approval, other perks
Anonymous Borrower

It took a week or two to get the whole thing processed, but it was relatively painless. During the application process, I did get one email that said my paperwork wasn't complete, but I think it was sent accidentally, if you can belive it. Ignoring that minor confusion..

I selected Upgrade because, compared to the other offerings -- (I used Credit Karma and nerdwallet to find the best deal), the total payment was one of the lowest, even though they take out a small chunk from what you're borrowing as a fee. Other perks: I didn't need to have 2-3 credit cards in my name to take out the loan and there's no early payment fees. 

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Feb 15, 2018
$27,000 personal loan.
Anonymous Borrower

Quick and easy.  Good people.

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Feb 15, 2018
Great
Anonymous Borrower

Very quick and easy to apply

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Feb 15, 2018
Great, simple, and easy to apply
Anonymous Borrower

There are literally no hassles or tedious paper work involved...simply apply and take a few pictures of your required documents with your smart phone and you are good to go. You will talk briefly with a loan specialist to make sure you understand the loan terms. Once that is finished funds are available in less than 4 days.

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Feb 14, 2018
Great experience!
Anonymous Borrower

The approval process was fast and easy, and cutomer service was a dream! Would totally recommend Upgrade.

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Feb 13, 2018
Hi interest rate , these are loan sharks
Anonymous Borrower

Credit Karma Shame Shame on you !

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Feb 13, 2018
Anonymous Borrower

Fast and easy!

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Feb 13, 2018
PERFECT!
Hunibe Borrower

This is the fastess, most uncomplicated way to get a loan.  No actual paperwork, I love technology!

I would recommend to everyone!

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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.