Rating by Finanso®

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 Reviews april 2025

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Upgrade reviews 2025

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Welcome to the review page of Upgrade!

Here, you will find client reviews about their experience with Upgrade. We understand that deciding on a lending company can be a challenging and crucial step. That's why we have gathered opinions from those who've already made that choice.

You can learn about the benefits and potential challenges that may arise when applying for a loan with Upgrade. Additionally, these reviews will help you evaluate the favorable terms and offers the company can provide for you.

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