Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.1
(20 Ratings)

Upgrade PayOff

Advertiser Disclosure

Repaying your Upgrade loan is a simple process that can be managed online. Log in to your Upgrade account on the website or mobile app, navigate to the "Manage Payments" section, and enter the payment amount and method. You can set up auto-pay for automatic payments, ensuring you never miss a due date. The platform also offers customizable alerts to remind you of upcoming payments, making it easy to stay on top of your loan repayment schedule.

upgrade repay

Make Payments Online Through the Bank Account

  1. Log In. Log in to your Upgrade account on the website or mobile app.

  2. Access Dashboard. Navigate to your dashboard.

  3. Select Payment Option. Click on the option to make a payment.

  4. Enter Payment Details. Enter the amount you wish to pay and your payment method details.

  5. Confirm Payment. Review your payment information and confirm the transaction.

Make Payments Through the App

  1. Log In. Log in to your Upgrade account on the website or mobile app.

  2. Access Dashboard. Navigate to your dashboard.

  3. Manage Payments. Visit the “Manage Payments” section of your account.

  4. Enter Payment Details. Enter the amount you wish to pay and your payment method details.

  5. Confirm Payment. Review your payment information and confirm the transaction.

Make Payments Through a Different Bank

  1. Obtain Payment Details. Gather all necessary information, including your loan account number and the Upgrade account details where the payment should be sent.

  2. Log in to Your Bank Account. Access your bank’s online banking portal by logging in with your credentials.

  3. Set Up a New Payee. Navigate to the bill pay or transfer section of your bank's website. Select the option to add a new payee and enter the Upgrade payment details, including the bank account number and routing number.

  4. Schedule the Payment. Choose the payment date and enter the amount you wish to pay. Confirm the details and schedule the payment. You can choose to make a one-time payment or set up recurring payments if your bank supports this feature.

  5. Confirm and Track the Payment. After scheduling the payment, confirm the transaction. Keep an eye on your bank account to ensure the payment is processed and funds are deducted.

Via ATM

  1. Locate an ATM. Find an ATM that supports loan payments. Some banks and financial institutions offer this service.

  2. Insert Your Debit Card. Insert the debit card linked to your bank account into the ATM.

  3. Select the Payment Option. Navigate through the ATM menu and select the option for making payments. Look for "Loan Payment" or a similar option.

  4. Enter Payment Details. Provide the necessary details, such as your Upgrade loan account number. You might also need to enter the amount you wish to pay.

  5. Confirm and Complete the Transaction. Review the payment details for accuracy. Confirm the transaction to complete your loan payment.

Additional Resources

FAQ

Will Upgrade sue me?

Upgrade will give your case to the debt settlement company in case you fail to pay off your loan. 

Can you pay an Upgrade loan early?

Yes, Upgrade doesn't have any prepayment penalties, so you can opt to pay your loan in full or make additional payments. 

Can I pay to Upgrade by check?

Yes, you can either sign up for ACH payments or make your payments by check.

Offers
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.08
(20 Ratings)
Recommended FinScore™
0
300
650
1000
1000.00 – 50000.00 $
Rate
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Interest rate

8.49 – 35.99 %
Term
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Loan term for the financial product

24 months – 6 years
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500-$25,000
Rate
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Interest rate

8.99%-29.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500-$25,000
Rate
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Interest rate

14.99%-29.99%
Term
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Loan term for the financial product

2 years – 5 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500-$25,000
Rate
i

Interest rate

14.99%-29.99%
Term
i

Loan term for the financial product

2 years – 5 years
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
650
1000
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Interest rate

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Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Interest rate

21.49 – 28.49 %
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Interest rate

21.49 – 28.49 %
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Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Interest rate

20.49 – 29.24 %
Calculate loan payments in Upgrade

Upgrade calculator will allow you to calculate an approximate payment schedule for the loan

Upgrade calculator
Interest rates are given in accordance with the rates of the Upgrade of 16.03.2025
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Upgrade reviews 2025
Leave feedback
4.2
Pros
Upgrade consistently delivers with speed and simplicity, offering reasonable terms. I currently have multiple loans and a line of credit with them, and I've had the pleasure of securing three previous loans from their services in the past.
Complain
4.4
Pros
Applying for a debt consolidation loan through Upgrade was a breeze. I was able to set up automatic payments each month, which added to the convenience. The interest rate offered was fair too. I highly recommend Upgrade if you're in need of a loan.
Complain
4.6
Pros
I am incredibly satisfied with all my interactions with Upgrade. Their service is exceptional, and the quick approval process, entirely online, is fantastic. I have a deep appreciation for this company. They came to my aid when I needed assistance in achieving my financial goals. I wholeheartedly recommend them with two enthusiastic thumbs up! Every step, from qualifying for a loan to receiving the funds, has been exceptionally smooth. Their communication throughout the process, starting from the application phase to fund disbursement, has been outstanding.
Complain
1.6
Cons
This company is the worst I've ever dealt with. They offered a hardship plan for three months, but despite that, they reported my loan as delinquent on my credit report when it matured, even though I still had a balance due to the hardship. They didn't extend the maturity date of the loan, despite the hardship agreement. The customer service was incredibly rude, and I was never able to speak to a manager. I intend to report this to the attorney general.
Complain
4.4
Pros
They are upfront about everything from fees to interest rates to payments and to some of the terms. It was easy to put an application in, get everything finished and receive the funds. They also make it convenient to choose a due date that works best for you.
Complain
5
Pros
Securing a loan through this company was a remarkably swift and straightforward experience, complete with favorable interest rates. The transfer of funds was executed with impressive speed. I was particularly impressed with the user-friendly loan application process, clear communication throughout, and the accurate and rapid fund transfer. I wholeheartedly recommend this company to anyone considering credit card refinancing.
Complain
2
Cons
Upgrade offers a line of credit with a generous limit, although it comes with high-interest rates. However, my experience took a frustrating turn when I started using this line of credit. Despite having an impeccable payment history and no credit issues, Upgrade began scrutinizing my credit and gradually reduced my credit limit to match my outstanding balance. This resulted in my available credit dwindling to zero, plummeting from an initial $20,000 down to just $4,000. Even though my account currently has a zero balance and will remain that way for a while, Upgrade's actions caused my credit score to drop inexplicably. I've chosen not to close the account, but I've lost trust in their practices and won't be using it.
Complain
4.4
Pros
This is my second experience securing a loan with Upgrade, and the process has been remarkably convenient. Uploading documents and verifying my bank electronically were both straightforward tasks. I also have their credit card, and making payments has been hassle-free, with no penalties for early repayment. By paying off my credit cards, I was able to obtain a more favorable interest rate, which was my initial goal.
Complain
4.4
Pros
Obtaining my Upgrade loan was an exceptionally efficient process, making it incredibly easy to secure the funds I needed. Additionally, I was granted a line of credit through an Upgrade credit card, which I found myself using multiple times.
Complain
4.6
Pros
This company is excellent. They processed my loan application efficiently and swiftly. I would wholeheartedly recommend this company to anyone seeking to borrow money at a reasonable interest rate. Furthermore, they provide regular updates on all account activity, which is highly appreciated. This loan is particularly beneficial for improving your credit score, especially if that's one of your goals.
Complain
Company rating
4.1
/ 5
20 reviews
Application
4.3
Support service
4.0
Mobile App
4.0
Service quality
4.1
Your satisfaction level
4.1
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