My experience is great because flex allows me time to enjoy vacation. Without the hassle of worrying about full payments. I honestly would never have been able to travel as much as I could now. So f... See more
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Review summary
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It was easy and is a great option for people to stretch that $$$ at the moment , it is stupid how much things have gone up specially flight tickets , more people would fly if it wasn’t so expensive .... See more
We were booking a cruise and were offered a payment plan through postal/flex pay. We JUMPED on it. Fees were beyond reasonable. Auto deduct from my checking. We upgraded to the Owners Suite to cel... See more
Application was super easy and fast. Flex pay allowed me to spread my purchase payments over time so i could use that money for other important things. Definitely will use them again
Company details
- #90 of 252 best companies in Non-Bank Financial Service
- #53 of 173 best companies in Alternative Financial Service
- #36 of 86 best companies in Loan Agency
- #8 of 53 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
59K reviews
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Purchase quick and easy
Purchase quick and easy. Paying method very satisfactory. Loved the payment reminders.
May 14, 2026
Every time I apply for a loan upgrade…
Every time I apply for a loan upgrade always there for me and I don’t have any problem. I recommend
August 26, 2026
I appreciate having yall to help me pay…
I appreciate having yall to help me pay my airfare don’t know what I would do without yall…
August 26, 2026
Excellent Company
August 16, 2026
I would give it 5 start but interest…
I would give it 5 start but interest rate is too high
August 26, 2026
It’s so quick.
August 13, 2026
Quick answers low payments
August 10, 2026
Fast and easy!
This was a fast and easy way to pay for something that you wanted to do and make payments. Upgrade makes it easy to do the things you have been waiting to do. Making payments is better than putting out a big lump sum. They have different payment plans you can use and that makes it more convenient.
August 18, 2026
I like how easy it was to get it and…
I like how easy it was to get it and setting up the app was quick and simple!
August 15, 2026
This was a very fast and communicative…
This was a very fast and communicative process!
I highly recommend anyone who needs fast service , professional assistance.
They are Amazing to work with!!
August 19, 2026
Easy to do application
Easy to do application. Good communication. Rate is a little high but I think I can make everything work
August 21, 2026
Applying is easy and only takes a few…
Applying is easy and only takes a few minutes to get approved and when approved there are payment plans that best fit your budget.
August 25, 2026
Great way to pay for your family…
Great way to pay for your family vacation. Application easy and approved in a few minutes. Great way to build credit
May 4, 2026
Great job!!!!!
August 21, 2026
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