Upgrade

Upgrade, Inc.

About this app

Get safe and easy mobile banking all in one place! Request cash advances and open a high-yield savings account, check balances, view available credit, pay bills, track cash back and more.

Upgrade is a financial technology company, not a bank.

● Track Rewards – Earn cash back rewards on Upgrade Card purchases³
● 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.
● Monitor credit score, get notified of changes, and use our credit score 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 https://www.upgrade.com/personal-loans/.

¹ Subject to eligibility. BoostCash™ amounts range from initial $25 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. 1-month free trial for select customers. Cancel anytime. Learn more about eligibility and terms at http://www.upgrade.com/boost-money/eligibility.

² For 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 3.42% 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 09/19/2025, 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.

³ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details.
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. Repayment terms from 24 to 84 months. 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 other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states.
All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (www.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 (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's 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 and does business under the following DBAs. Upgrade is a financial technology company, not a bank.

Ratings and reviews

Worthless app. It was great until Flexpay changed to Upgrade. Payments of around $300 don't start for 6 months after the cruise date, so I could pay in smaller amounts ahead of time through the Flexpay app. Super easy and convenient. Then Upgrade happened. Their app won't accept any amount except the future $300 payment amount. My options are to send a paper check (?) or call them and pay by phone, typing in the numbers of my debit card. Like it's the 90s. Upgrade needs to.. upgrade. Irony.

I love everything about this App/Financial Tool. it really out shines any brick and mortar bank. I generally get my check 5 days earlier, sometimes 6 days earlier. With the walk- in bank I had, I was doing good just to get it on time. When when I got it, if it posted after 2, I'd have to wait an additional day. Not to mention all the fees that they were always talking on to my account. Not so With Upgrade, no hidden fees, free ATM. They even rebate you on out of network ATM's.

I have been a long time upgrade customer. Today I received an email stating that my credit limit had been reduced to $1,000 from$5,000, despite my credit score being 80 points higher than when I started my account with upgrade many years ago. I've received several credit line increases in the last month from other institutions. When I spoke to a representative the reason for this was because I used one of my other credit cards (not upgrade). My total credit usage is below 15%. The lady I talked

What’s new

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