Lender network / Lender profile
Upgrade Personal Loans: Rates, Terms and Fees (2026)
Short answer: Upgrade fits fair to good credit borrowers who want a long repayment term or help paying off debt. Expect an origination fee of 1.85% to 9.99%, taken out of the loan before funding.
| At a glance | Upgrade |
|---|---|
| APR range | 7.74% to 35.99% |
| Loan amounts | From $1,000 |
| Terms | 24 to 84 months |
| Origination fee | 1.85% to 9.99% |
| Funding time | As soon as 1 business day after approval |
| Minimum credit score | Not published |
| Late fee | Up to $10 if paid more than 15 days late |
| Availability | Some loan offers may not be available in all states |
| Credit check to pre-qualify | Soft pull through CLO |
Good to know
- Can send loan funds directly to your creditors for debt consolidation
- Joint applications accepted
- Lowest rates require autopay and paying part of your debt directly through Upgrade
- Terms up to 84 months lower the payment but raise total interest
How Upgrade reaches CLO
Offers from Upgrade come through CLO's partner network, powered by Flexxbuy. CLO is not a lender and doesn't make credit decisions. Lenders can't pay to change what this profile says.
Checking your rate uses a soft credit pull. Accepting an offer and finishing a lender's application may lead to a hard inquiry.
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Upgrade personal loan questions
What credit score do I need for Upgrade?
Upgrade doesn't publish a minimum credit score. Pre-qualifying through CLO shows whether Upgrade will make you an offer, without affecting your credit.
How much can I borrow from Upgrade?
Upgrade loan amounts: From $1,000. The amount you're offered depends on your income, credit, existing debt and state.
What APR does Upgrade charge?
Upgrade's published APR range is 7.74% to 35.99%. Your rate depends on your credit profile, loan amount and term.
How fast does Upgrade fund loans?
As soon as 1 business day after approval. Timing starts once your application and documents are complete.
Does checking my rate with Upgrade affect my credit?
No. Pre-qualifying through CLO uses a soft credit pull. A hard inquiry happens only if you accept an offer and complete Upgrade's application.
Sources: >Upgrade: personal loan fees · >Experian: Upgrade loan details · >Bankrate review. Found an error? Report it.