Upgrade

4.5(3,102 reviews)

Upgrade offers accessible personal loans with flexible terms and fast funding for fair credit borrowers.

APR Range

9.99% – 35.99%

Loan Amount

$1,000 – $50,000

Min Credit Score

580+

Time to Fund

1-4 days

Check My Rate at Upgrade

Soft credit pull only · No impact to your credit score

Pros

Accepts fair credit
Fast approval
Flexible terms
Mobile app

Cons

Origination fees up to 9.99%
Higher rates for lower credit

Eligibility Requirements

Min credit score: 580
Min income: $25,000/yr

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