Upgrade

Upgrade, Inc.

About this app

Get easy and rewarding banking all in one place! Request cash advances and open a high-yield savings account, check balances, track cash back and manage loans, cards and more.

Upgrade is a financial technology company, not a bank.

● Track Rewards – Earn cash back rewards on Upgrade Card purchases⁴
● Manage Upgrade Card or Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement through Upgrade accounts. Make payments and check your balance.
● Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score.

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Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment.Subject to approval. For more information visit upgrade.com/personal-loans/.

¹Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. Delivery may take 3-5 business days without Premium or via ACH; or within minutes with express delivery for Premium subscribers ($9.99/mo). Funds availability depends on the receiving bank. Learn more about eligibility and terms at http://www.upgrade.com/boost-money/eligibility.

²Add funds to your Boost Money™ Spend account, and spend up to the available balance with Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit.

³For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 10/31/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure.

⁴Purchases accrue cash back when you pay them back. Limitations apply. See upgrade.com for more information.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. For example, if you receive a $10,000 unsecured loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR and loan terms may vary. Certain loan offers may not be available in all states. See upgrade.com/personal-loans/ for more information.

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (upgrade.com/bank-partners). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/state-licenses) and does business under the following DBAs (upgrade.com/dba ). Upgrade is a financial technology company, not a bank (upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank).

Ratings and reviews

So far not a good first experience. I got my loan the end of December. I paid 2 payments early and shouldnt have a payment due until March but they applied both payments to January. I called several times to get this fixed. Once they finally did, it said no payment due until March but it looks like they actually tried to charge me a third and fourth time instead of applying the extra payment already made so it shows I still owe!! I also have only gotten one statement.

Besides the trouble that using the "Upgrade"card has caused me, with the random & extreme credit limit changes causing failed & cancelled autopayments with extra fees from insurance company, this app does not show me everything I need to know clearly, and it's the only banking app of several I've used that asks me in login to verify I'm not a robot. Very insulting company overall, doesn't care about the customer and does shady, misleading business. No real advantage anymore with doubled APR.

The app is not clear. When you click on My Products (your open accounts), you find the name of the account, your next payment and the outstanding balance (doesn't include the expected interest with ontime payments). Underneath you will find the loan amount (amount that doesn't include expected interests), the loan term (for how many months the loan is) and the date of the next payment. Right after, you will find posted payments. Nowhere to find the next payment days and how many payments left.

What’s new

We're constantly improving our app and working on the next exciting features!