So far I’ve only used upgrade for vacations. It’s very simple to use and a fast process. I do like the monthly payments vs the biweekly! There are some lodging companies (ex: vrbo) or shopping compani... See more
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Review summary
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This is my second time utilizing Upgrade for debt balancing and it was just as smooth as the first time. Fast process, great right, and really a no brainer. If your looking for options to balance debt... See more
My experience was great in that it was easy to navigate the information needed to apply for loan. I love that this platform affords me the opportunity to access items, companies that as a person in a... See more
I only have one problem with pay in 4s or 6 or 12 they don’t retrieve money back when you no longer want to purchase an item . Other than that I think it’s a good idea in general love me some installm... See more
Company details
- #133 of 249 best companies in Non-Bank Financial Service
- #83 of 176 best companies in Alternative Financial Service
- #48 of 84 best companies in Loan Agency
- #13 of 52 best companies in Payment Service
Written by the company
Upgrade is a trusted financial technology company that provides customers with access to affordable and responsible credit, mobile banking, savings, and payment solutions. With thousands of positive Upgrade reviews, we’re proud to help customers build stronger financial futures. Upgrade offers a comprehensive suite of financial products to help customers build credit, manage money, and reach their financial goals through personal loans for debt consolidation, major purchases, and other life expenses, cards that reward responsible credit use, high-yield savings and deposit accounts with no monthly maintenance fees, Buy Now, Pay Later (BNPL) options through Flex Pay, home improvement financing for projects and renovations, auto financing at 1,500+ dealerships and auto refinancing options, and free credit monitoring and financial education tools. Upgrade is a financial technology company, not a bank. We partner with FDIC-insured banks and other financial institutions that originate loans and personal credit lines, provide deposit accounts, and other services obtained through Upgrade. For more information, visit https://www.upgrade.com/. Upgrade's bank partners can be viewed here: https://www.upgrade.com/bank-partners/.
Contact info
275 Battery St, 23rd floor, 94111, San Francisco, United States
- (844) 207-7781
- contact@upgrade.com
- upgrade.com
4.7
Excellent
56K reviews
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Predatory Misapplying payments towards…
Predatory Misapplying payments towards principal, just like a predatory mortgage loan i had...Nightmare on Loan Street take two...i reported this to my State Commissioner and they made them pay me back over 4k! This company is behaving the same way!! They just put the extra funds towards next month?!? Breanna said this today 5/19/2026 @ 8:54 pm. But when i researched her frivolous answer i found that not to be True. And i took a snap shot of it too. I told her they are not practicing fair lending laws and I am reaching out to my attorney and reporting this to the State Commissioner also. She quickly filed a claim for me when I mentioned attorney :/
I told her my loan originated on 10/17/24 for $12669 min payment $160.27. I have been paying $270 per month early. Today my balance is only 11580...That's only about $1143 paid in TWO years!!! Make that make sense & cents???
May 19, 2026
Unprompted review
So far everything easy to deal
So far everything easy to deal. The app makes everything a breeze
May 18, 2026
It was quick easy and super helpful…
It was quick easy and super helpful when I needed it. The payments come directly out of my account. I don’t even have to deal with anyone!!
April 29, 2026
Quick and easy
May 12, 2026
I needed plane tickets …
I needed plane tickets this allowed me to make payments. Very easy to apply for.
I also got a loan which was just as easy.
May 13, 2026
Funds are issued relatively quickly
Funds are issued relatively quickly, especially for a return client such as myself.
May 16, 2026
Love it
I only have one problem with pay in 4s or 6 or 12 they don’t retrieve money back when you no longer want to purchase an item . Other than that I think it’s a good idea in general love me some installment payment.
May 19, 2026
Everything was very straightforward…
Everything was very straightforward easy to understand with good explanation without even talking to a person actually.
May 15, 2026
Untrustworthy company that stole money…
Untrustworthy company that stole money from me.
April 1, 2026
Very easy and quick to obtain loan
Very easy and quick to obtain loan. The process was seamless.
May 19, 2026
So grateful they were able to help me…
So grateful they were able to help me get the items I really needed. I did not have the total amount in cash to buy the items right away. But, paying on a payment plan was a great relief.
May 4, 2026
The application and pre-approval process worked great!
The application and pre-approval process was easy and efficient, especially as compared to most banks. Terms were easy to understand and automatic payments ensure it is paid on time.
May 13, 2026
The ease of the whole experience from…
The ease of the whole experience from the app to approval!
May 19, 2026
Almost reliable and affordable
Almost reliable and affordable. Helps you out when you need it the most without exploiting our wallets! My go time in some of my biggest “jams” was met by this great company! Thank you!
May 9, 2026
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