Home Banks Upgrade Personal Loans Upgrade Fixed-Rate Personal Loan

Upgrade Fixed-Rate Personal Loan

About Upgrade Personal Loans

The Upgrade Fixed-Rate Personal Loan from Upgrade is one of the top-rated Personal Loans options evaluated on MoneyCompared, earning an overall product score of 9.2/10. Upgrade is a premier U.S. consumer fintech platform offering fast fixed-rate Personal Loans ($1,000 to $50,000), hybrid Cash Rewards Credit Cards with fixed installment payoff plans, Rewards Checking Plus (up to 2% cashback), and Premier Savings (4.69% APY).
Key highlights include 8.49% - 35.99% Fixed APR, a fee structure of 1.85% - 9.99% Origination Fee, and Check rate with no impact to credit score + next-day funding.

Features

Annual Fee	1.85% - 9.99% Origination Fee
Regular APR / Rate	8.49% - 35.99% Fixed APR
Intro Offer / Welcome Bonus	Check rate with no impact to credit score + next-day funding
Savings APY / AER	Autopay & direct creditor payoff rate discounts
Minimum Deposit	$1,000 - $50,000 Loan Amounts
Foreign Transaction Fee	$0 (None)
Deposit Insurance	FDIC / NCUA Insured ($250k+)
Mobile App Rating	4.8 / 5.0
Overall Rating	9.2 / 10

About Product

Annual / Monthly Fee: 1.85% - 9.99% Origination Fee
APR / APY Rate: 8.49% - 35.99% Fixed APR
Intro Offer / Bonus: Check rate with no impact to credit score + next-day funding
Key Benefits: Autopay & direct creditor payoff rate discounts
Minimum Requirement: $1,000 - $50,000 Loan Amounts
Institution: Upgrade (San Francisco, CA, USA)

Pros

Rate / APY / APR: 8.49% - 35.99% Fixed APR
Fee Structure: 1.85% - 9.99% Origination Fee
Welcome Offer / Highlight: Check rate with no impact to credit score + next-day funding
Key Perks: Autopay & direct creditor payoff rate discounts

Cons