Name: Upgrade
Rating: 4.8

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Laramie and Margie Beck Ada, OK

It took a month to finalize the loan. It took minimum of 3 days to get an email response and an hour or more on hold on the phone when I was told I had to call to finalize. May want to step up the amount of employees to meet the volume of incoming communication. I was very pleased to get a loan, when most companies turned me down. So I am pleased in the end, but the process needs work.

5 years ago

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Caring Human Being Wyckoff, NJ

It was so easy, convenient and fast. The whole process was not stressful at all and I was approved for my loan very quickly. The whole experience was very straightforward and convenient. I strongly would recommend applying to Upgrade to anyone who needs a loan for any reason.

5 years ago

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Blaine Sylvania, OH

I was impressed with the very thorough vetting process. They took great pains to ensure that I was who I said I was. In these days of rampant identity theft, it is comforting to see a company go the extra mile to ensure applicant integrity.

5 years ago

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Raul Sostre Richmond, VA

Words can not describe how valuable and awesome Upgrade is to me. I got approved for a credit card and got approved for a bank loan for home improvements. This has turned out to be a blessings in some many ways applying for Upgrade. Better than all credit banks combined!!

5 years ago

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George Cooley Salt Lake City, UT

It was One of the easiest lones I had ever done, The associat I worked with was AMAZING HE IS AN ASSET TO YOUR COMPANY AND I HOPE HE IS DOING WELL IF AT ALL POSSIBLE AND HE IS STILL WITH YOUR COMPANY I WOULD LOOK FORWARD TO WORKING WITH HIM AGAIN I DON'T REMEMBER HIS NAME MAYBE YOU COULD LOOK BACK AND HAVE HIM CALL ME THANK YOU

5 years ago

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David Reisenbichler Benton Harbor, MI

Overall a very easy process start to finish. I compared Upgrade to other companies and they offered the lowest interest rate. I approved the loan app on a Sat and Monday morning my money was there. Now my collections are all consolidated and off my credit report, and I’m saving money monthly as well with the payment.

5 years ago

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Yolanda Williams Arlington, TX

The application process with Upstart is easy and the website is honest!! All questions about fees and interest rates are answered upfront!! I would encourage any one that need a loan to go with Upstart you will not be disappointed!!

5 years ago

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Ardelle Faralli Sicklerville, NJ

Customer service was great & very helpful. Didn't take long to get approved & receive the money in my account. My credit cards I chose were paid off quickly. I've paid off other expenses & I feel good that I only have one monthly bill to pay instead of multiple bills. Thank you Upgrade so much!

5 years ago

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Clara Goodreau Kansas City, KS

Upgrade was very professional. This loan went through very fast, with no problems. They were very friendly and very helpful. All taken care of on the internet and a phone call. I really appreciate all the help and how fast it all took place. Thank you so much, CG

5 years ago

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JW ,

It was very easy to get the loan. The process was quick and painless. The terms were fair and repayment was very easy with the automatic withdrawals from my checking account. If I need to change the date of the automatic withdrawal I have that option as well. I am very pleased, this is my 2nd loan

5 years ago

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Lee Blanchard Absecon, NJ

Approval in 1 day. I received funding the following day, and the cards I consolidated were paid off within 3 days. Great application process, quick approval and a VERY competitive rate. I would definitely recommend Upgrade!

5 years ago

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Anita Sanders Forest Park, IL

It was extremely easy to apply and receive the loan & everything was done electronically and the funds were distributed sooner than anticipated. The interest rates are better than another company that I used previously and is allowing me to consolidate my loans. Great Company! I am very pleased with my service !

5 years ago

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Robert Ponticelli Tucson, AZ

I enjoyed the entire experience. Follow through was steady and quick. No pressure, just a comfortable feeling. I knew that I was dealing with a top notch company. I would not hesitate to recommend them to any family member or friend.

5 years ago

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Awesome Bert Snellville, GA

It’s been awesome to begin getting back in financial order! Upgrade is a great technology platform that’s made it so seemless and easy to accomplish what I needed! Appreciate the opportunity to partner with the folks at Upgrade!

6 years ago

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C.S Issaquah, WA

Smooth and easy process, Upgrade did their best to ensure everything went smoothly with little to no hassle. The representative I spoke to was very helpful and contacted me right away to troubleshoot additional information that was provided on my end.

6 years ago

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Hector Bethany, CT

With so many scammers out there, I was a little apprehensive in giving all of my personal information, but I took a chance and everything has worked out as promised. The process was super easy and I got a quick decision and the money was deposited in my account as stated. Would definitely recommend.

6 years ago

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Bonnie O. Union, SC

I applied for a loan that was needed in an emergency and I felt that Upgrade processed my application swiftly. I was able to attend to the emergency and did not have to worry about being approved. The loan was also funded in a timely manner.

6 years ago

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Randy Pinedale, WY

My experience with Upgrade was extremely pleasant and professional. Everything was approved quickly and my money was put into my account in a timely manner. I was treated as a human being not a robot, the Upgrade team I worked with were very friendly and professional.

6 years ago

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Adrian de Jesus Hayward, CA

Applying was very easy and straightforward. I was able to get the best interest rate for the most amount of money. Accepted prequalified rate and $ on Wednesday night and woke up Friday morning with the money in my account. Will recommend every time you need a personal loan.

7 years ago

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Mattie Shelby Chicago, IL

Wow it was not a complicated process just a few major documents such as proof of income W2 ‘s things of that nature and your bank routing information and your checking account number and it was like magic what a wonderful experience

7 years ago

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Stacey Columbus, OH

I was pleasantly surprised at how organized and simple it was to apply for my loan. I needed to make a call to customer service, and both times I spoke to someone friendly, professional, and helpful. I'm happy if this is the new generation of how a loan application/process should be done properly.

8 years ago

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Michael Utica, NY

Upgrade customer service is very good - everyone I ever had contact with was very polite and answered all questions - the loan process takes a little longer than other companies I have dealt with, however their interest rates were far better than most - if you are in need of a loan other than traditional bank loans , I highly recommend upgrade.

8 years ago

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Michael TK Marshall, MI

This was the easiest and fastest loan ever taken out. From the initial application to the money deposited was about 2 business days. Amazing! I applied on a Thursday and Monday morning the money was in my checking account. Now that's customer service!

8 years ago

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Katherine M. Laurelton, NJ

Upgrade's website is user friendly which made the application process quick and easy. The representatives are courteous and detail oriented, which was a comforting factor. They demonstrated professionalism with integrity, I highly recommend Upgrade to everyone and will definitely refer their services to friends and family!

8 years ago

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Jon Colvin Albertville, MN

I needed money fast to finish my basement , because my parents in bad health were going to move in. Other banks were telling me No and giving me run around. Talked to Upgrade on the phone after I got a flier in the mail, and it was quick. Had money in my bank within a few days. Thank you.

8 years ago

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Sheila Jacksin Triangle, VA

I experienced a simple, but thorough process. Everything was securely received and processed in a timely manner to include receiving the funds. The funds were actually received two prior to the timeframe noted. No complaints at all. Job well done!

8 years ago

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Justin Twitty Noblesville, IN

Application process was very easy for both there credit card and the personal loan definitely keeping them around, plus there mobile app is very easy to use all around great experience

4 years ago

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Jen Roberts West Mifflin, PA

I have never acquired a loan so easily. Once my application went through, credit cards were paid and remaining balance deposited to my account within 1 week. I would absolutely recommend Upgrade!

4 years ago

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fire3hose Franklin Park, IL

My experience with Upgrade was one of the easiest and outstanding time frame applications I’ve ever done beating most of it competitors hands-down I am a very satisfied customer

4 years ago

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Makenzie Anderson Dumas, TX

Super fast approval and distribution of funds! The only down side is the origination fee, but I was prepared for that. Best experience I have had with a lender. Thank you, Upgrade!

4 years ago

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Jim Miller Midvale, UT

It was quick and easy. The reason for the load was to reduce the amount of the payment. I paid off the previous loan I had with Upgrade. I lowered my Upgrade payment about 50 dollars/month and just a slight APR increase.

4 years ago

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Heath Crum Killeen, TX

Company was super fast with getting me approved and dispersing the money to the specified accounts very quickly. Their homepage is super easy to navigate! If needed again, I will use again!!!

4 years ago

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Albie Queens, NY

This was the most convenient loan process I have ever experienced. Upgrade really helped me with my credit card debt and also helped with increasing my credit score significantly. I highly recommend this company.

4 years ago

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Liz Loveland, CO

Great experience, easy to submit request and I had answer within 48 hours! Super fast turnaround on my loan with easy to understand terms and I love the option to set length of loan.

4 years ago

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Paul Plainfield, IL

I was amazed at how fast the process was. We had our funds just days after applying. We consolidated our credit cards and finally feel we are on the right track. Thank you so much!!

4 years ago

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Boyce M Fort Worth, TX

I got my loan fast it was easy and now I have one payment instead of five much better to track and keep up with they even sent payoffs in for me, outstanding service and process.

4 years ago

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Vincent and Melissa Sherrill Statesville, NC

I have had the best experience with Upgrade. Very easy to apply for a loan and funds are distributed very quickly 2-5 days. I would definitely recommend them to anyone with a financial need.

4 years ago

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Melissa Garcia Brewer Arlington, TX

Upgrade provides a variety of financing options. From customer service to the loan process is pretty straight forward. I would highly recommend them for credit, and loan needs you may have.

4 years ago

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ABBIE JOY Gainesville, GA

Well designed service with quick, efficient results. Only issue I saw was multiple emails from various places. Got confusing, but once I figured out how to deal with only one response it was very simple.

4 years ago

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Suzy Evans Spanaway, WA

Everything was easy to do and easy to understand. However, your interest rates are very high. I'm trying to get rid of high interest credit cards, but you interest rates are just as high... only. 0.05% lower. 25.94% interest rates are highway robbery for people trying to climb their way out of debt!

4 years ago

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Paula Pili Provo, UT

The positive about this card is that it is a Great second chance card! I honestly didn’t think I’d get approved The process was simple and relatively quick! Don’t go crazy though because then it ends up being your worst enemy! My advice would be keep it for emergencies only. Pay it off after every usage. It’s a great option to have in your wallet! Why am I telling you this? Everything I’m telling you I’ve done the opposite! If you don’t pay as you go, the interest rate will kill you! I gave it a 2 because the customer service agents really are not knowledgeable in their product. I would still have my card if it weren’t for all of the misinformed information and agents not doing their job correctly. I did an arrangement After I made the first payment of the arrangement I was already in Default The representative didn’t enter it in correctly. I had made a proposition And instead of the agent letting me know of the counter offer which I could’ve done he kept quiet until it was too late. It has the potential for higher stars, the employees have to get it together

4 years ago Edited January 17, 2022

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James Martin The Bronx, NY

Thanks upgrade. Can't thank enough on upgrade helpings me. I needed a little miracle grabbing hold on my credit card debt. And you guys came through. Thanks again much appreciated.

4 years ago

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Jerri Shirley Lincolnton, GA

The application process was easy. I am using this for a debt consolidation loan and as promised Upgrade paid all the creditors I had listed promptly. I am very impressed with the service provided.

4 years ago

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Amanda Briscoe Sand Springs, OK

Easy, quick process to apply! Quick processing time for approval and payments to debtors. I can’t wait to make 1 monthly payment instead of 5 and be well on my way to debt free.

4 years ago

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Laticia W Lansing, MI

Upgrade is easy to work with. I especially love that they give opportunities to everyone regardless of their FICO score. I highly recommend Upgrade to anyone looking to build or re-build their credit.

4 years ago

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Ceohgoodwin Albany, GA

I am honored to have had a great experience applying for a loan. It was fast and very easy to complete. I will continue to do business with Upgrade because they truly will upgrade you.

4 years ago

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Christine Fenton Huntington, NY

If anyone is looking for a personal loan, look no further than UPGRADE. This is the easiest and fastest company I ever dealt with. I will always go back to UPGRADE for my financial needs.

4 years ago

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Wanda Boozer Lexington, SC

It was very easy to obtain the loan. I filled the application on line , click submit and within hours I had been approved. My funds were dispersed within days. I got a low interest rate on my loan and am very happy.

5 years ago

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alesia d. Alpharetta, GA

What can I say, "fast turn around". I received a loan to pay of credit card debt. Credit card companies received their payment within a couple of days. Now I'm on a fixed payment that suit my budget.

5 years ago Edited October 8, 2021

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Elaine Bradford

Customer service gave me the runaround for weeks before they finally looked into where over half of my funds went to. No one ever answered any messages I sent, and wait times to speak with representatives are over an hour and a half, and then you’re rushed to get off of the phone. I did finally get all of the funds, which is why I gave 3 stars, but I honestly regretted getting the loan after dealing with them for weeks.

5 years ago