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Personal Loans
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Earn 3.05% APY on savings

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2% cash back on debit purchases

Open a checking account

Personal loans with fast funding

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Earn up to 3% cash back

Find the card that's right for you

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Customers

$47B+

Borrowed

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The checking account with cash back

No monthly maintenance fees

Up to 2% cash back on purchases
Get paid up to two days early with direct deposit

Personal Loans

Get the funds you need – sent directly to your bank account – within a day of clearing verifications

Achieve more with fast funding

Fixed rates and predictable payments
Pay off your loan at any time, with no prepayment penalty

Flex Pay

Spread the cost of your trip over manageable, monthly payments.

Buy now, pay later

Quick application, fast decision
Shop with hundreds of travel and retail partners

Upgrade Life Rewards

Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan

No annual fee

Get 3% cash back on gas, groceries, streaming, and utilities
Use your Upgrade Card anywhere Visa is accepted

We've helped more than 3 million customers

Join our growing family and find the right loan for you.

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I have had several loans through...

I have had several loans through Upgrade Loan and I have paid every one of them off. I recommend Upgrade Loan to everyone seeking a personal loan.

Customer 6 hours ago