Upgrade
Review the Full Picture
Published loan terms and their sources. Your personal rate and eligibility are determined by the provider.
Upgrade Personal Loan
- Published APR
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
- Repayment term
- 24 months – 84 months
- Origination fee
- 1.85% – 9.99%
Conditions and limitations
Upgrade is a fintech platform; loans are made by bank partners. The published range covers available personal-loan options, not a guaranteed unsecured rate. Lowest rates require autopay and direct payment of existing debt; some discounts may require collateral. Origination fees reduce proceeds. Individual terms depend on underwriting; late or other agreement fees can increase cost.
Eligibility
U.S. citizen, permanent resident or valid U.S. visa; at least 18 or state age of majority; verifiable bank account and valid email. Credit underwriting and state restrictions apply.
Minimum credit score: Not available. State-specific terms must be confirmed with the provider.
Sources and verification
Terms verified: Nov 1, 2026, 12:02 PM Eastern Time.
Monitor status: reviewed. A successful source check does not renew financial verification.
- Official source ↗ — Official product terms, eligibility and fee disclosures.
This is a factual product summary, not an endorsement or personalized offer. No affiliate tracking link is used.
Visit provider’s official product page ↗