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Ratings
Upgrade description
Upgrade is an online lending platform for individuals seeking personal loans, credit cards, and banking services like checking and savings accounts. It aims to provide affordable credit options and tools for managing finances. With a strong customer base, Upgrade offers features such as cash back rewards, competitive interest rates, and auto loan refinancing.
Who is Upgrade best for
Upgrade offers personal loans, credit cards, and banking services like checking and savings accounts. Users praise the fast application process and helpful customer service. However, some have reported issues with the mobile app and account access. Ideal for individuals and businesses seeking streamlined financial solutions.
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Best for small businesses (1-100 employees), good fit for medium businesses (101-1000).
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Particularly well-suited for the financial services industry.
Upgrade features
Supported Upgrade offers personal loans up to $50,000. |
Supported Upgrade offers various credit cards with up to 3% cashback. |
Supported Upgrade's Rewards Checking Plus offers up to 2% cash back on purchases. |
Supported Upgrade's Premier Savings Account offers up to 4.14% APY. |
Supported Upgrade offers Flex Pay and OneCard for buy now, pay later purchases. |
Supported Upgrade has a dedicated mobile app for finance management. |
We evaluate the sentiment that users express about non-functional aspects of the software
Value and Pricing Transparency
Customer Service
Ease of Use
Reliability and Performance
Ease of Implementation
Upgrade reviews
We've summarised 85 Upgrade reviews (Upgrade TrustPilot reviews and Upgrade G2 reviews) and summarised the main points below.
- Fast and easy loan application and approval process.
- Helpful and responsive customer service.
- User-friendly website and interface.
- Flexible loan terms and repayment options.
- Credit monitoring and improvement tools.
- Difficult account access and required emailing of documents for updates.
- Buggy mobile app with login and document upload issues.
- Lengthy approval process with repeated verification requests.
- Pre-approval amounts significantly higher than actual approved amounts.
- Lack of SCRA benefits and difficulties with loan payoff reflection.
Upgrade pricing
The commentary is based on 11 reviews from Upgrade G2 reviews and Upgrade TrustPilot reviews.
Upgrade offers competitive interest rates and flexible loan terms, though some users have reported higher rates than expected. Quick funding and an easy application process are frequently praised. However, some customers have expressed concerns with overpayment refunds and customer support responsiveness.
Users sentiment
Upgrade alternatives
Mortgage AutomatorAutomates private lending, from origination to servicing, boosting efficiency.Read more
Upgrade FAQ
Upgrade is a financial technology platform offering personal loans, credit cards, and banking services like checking and savings accounts. It features competitive interest rates, cash back rewards, and a mobile app for managing finances. Upgrade aims to simplify borrowing and banking, though some users report issues with the mobile app and account access.
What is Upgrade and what does Upgrade do?
Upgrade is a financial technology platform offering personal loans, credit cards, and banking services like checking and savings accounts. It features competitive interest rates, cash back rewards, and a mobile app for managing finances. Upgrade aims to simplify borrowing and banking, though some users report issues with the mobile app and account access.
Upgrade offers several integrations, including a mobile app for account management, rewards checking accounts, and buy now, pay later options like Flex Pay and OneCard. Information on specific integrations with third-party tools is limited.
How does Upgrade integrate with other tools?
Upgrade offers several integrations, including a mobile app for account management, rewards checking accounts, and buy now, pay later options like Flex Pay and OneCard. Information on specific integrations with third-party tools is limited.
Upgrade competes with other fintech companies like SoFi, Best Money, and LendingClub. These companies offer similar services such as personal loans, credit cards, and other financial products. Consumers often compare rates and features across these platforms before choosing a lender.
What the main competitors of Upgrade?
Upgrade competes with other fintech companies like SoFi, Best Money, and LendingClub. These companies offer similar services such as personal loans, credit cards, and other financial products. Consumers often compare rates and features across these platforms before choosing a lender.
Upgrade is a legitimate financial platform offering various services. User reviews highlight a fast and easy application process and helpful customer service. However, some users have reported issues with the mobile app and account access. Consider these factors when assessing if Upgrade is safe for your needs.
Is Upgrade legit?
Upgrade is a legitimate financial platform offering various services. User reviews highlight a fast and easy application process and helpful customer service. However, some users have reported issues with the mobile app and account access. Consider these factors when assessing if Upgrade is safe for your needs.
Upgrade offers personal loans, credit cards, and checking accounts. Product pricing details are not available. Contact Upgrade directly to discuss product worth and specific costs.
How much does Upgrade cost?
Upgrade offers personal loans, credit cards, and checking accounts. Product pricing details are not available. Contact Upgrade directly to discuss product worth and specific costs.
Customer reviews on Upgrade's customer service are mixed. While many customers praise the helpful and responsive agents, others report difficulty accessing their accounts and needing to communicate through email for updates. Some also mention a lengthy approval process.
Is Upgrade customer service good?
Customer reviews on Upgrade's customer service are mixed. While many customers praise the helpful and responsive agents, others report difficulty accessing their accounts and needing to communicate through email for updates. Some also mention a lengthy approval process.
Reviewed by
Michal has worked at startups for many years and writes about topics relating to software selection and IT management. As a former consultant for Bain, a business advisory company, he also knows how to understand needs of any business and find solutions to its problems.
Tymon is a seasoned CTO who loves finding the perfect tools for any task. He recently headed up the tech department at Batmaid, a well-known Swiss company, where he managed about 60 software purchases, including CX, HR, Payroll, Marketing automation and various developer tools.