Personal loans

Upgrade review

Personal loans plus an optional credit-line product.

Amount

$1,000–$50,000

Term

24–84 months

Cost

APR 9.99%–35.99%; origination 1.85%–9.99%

Funding

1–4 business days

Source: Upgrade public terms, as of April 2026. Subject to change.

What it is

Upgrade offers fixed-rate personal loans up to $50,000 and a separate revolving credit-line product. The personal-loan side has a published APR range comparable to Upstart and LendingClub, with a similar origination-fee structure scaled to the loan amount.

Upgrade also runs a hardship program for borrowers facing temporary income loss — a relatively uncommon feature among personal-loan lenders.

Pros

Hardship program for borrowers facing job loss
Rate preview with soft pull
Credit-monitoring bundled with the loan

Cons

Origination fee scales with loan amount
Top APR near 36%
No autopay discount

Best for

Borrowers needing flexibility (fixed loan + credit-line option) and willing to accept origination fees.

Bottom line

Comparable to LendingClub. Compare specific offered APR against Upstart/SoFi if you can qualify there.

External link

Upgrade official site

Continue to Upgrade

This link goes to Upgrade’s own website. Cash Rvyn LLC may receive compensation if you choose to sign up with them; this doesn’t change what you pay or how this review is written.