Upgrade Reviews

Upgrade Reviews
4.8 out of 5 stars
209 Review

From Borrowers in the last year


Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

5 5

Compare Personal Loans

Check out rates on new loans or refinance an existing loan.


3 star reviews (1) See All

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

Dec 09, 2018
An easy loan with some web drawbacks

My Upgrade loan was very easy to apply for. I was approved the day after applying, and the funds were in my checking account the next day after that. It could not have been more smooth.

The interest rate and the loan origination fee are both a little rough. That's offset by the fact that there is no early repayment penalty. (I do expect to be able to make some large extra payments to pay the loan off early and avoid some of the accrued interest.)

But my biggest complaint is that there isn't a way on the web site to schedule an extra payment. In order to make an extra payment, you have to call customer service, which is annoying in the extreme. There's also no chart or graph on the website to show you the amount of interest-vs.-principal that you're paying each month. The website is so bare-bones it's practically useless. I would expect them to put a little more effort into the site.

more ...
Add a Review

Add Your Review

I Own It I Had It I Applied

Please state your experience.

How would you rate this loan overall?

Please select a rating

What should others know about this loan?


How was application process?

How was customer service?

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.