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Upgrade personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 46.6%

• APR7.74%–35.99% upgrade.com, 2026-10-12
• Origination fee1.85%–9.99% upgrade.com, 2026-10-12
• Terms24 months–84 months upgrade.com, 2026-10-12
• Loan amounts$1,000–$50,000 upgrade.com, 2026-10-12
• Minimum credit scorenot published (not found) upgrade.com, 2026-10-12

Complaint record (CFPB)

• Complaints, last 12 months1,847
• Trend▲ 46.5% (last 12 mo 1,847 vs prior 12 mo 1,261)
• Timely response (last 36 mo)99.9%
• Top issueIncorrect information on your report
• Insurance statusNot an FDIC/NCUA-insured institution itself

Company-level (UPGRADE, INC.), all products, as of 2026-10-12. Upgrade complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 8.3/10Lowest APR 7.74%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 0.0/10Max APR 35.99%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 0.0/10Origination fee up to 9.99%. Score = 10 − max fee %.
• Term range 10/10Terms 24–84 months. Score = span/6 months, max 10.
• Max loan amount 5.0/10Up to $50,000. Score = max/$10k, max 10.

0.200×8.3 + 0.200×0.0 + 0.200×0.0 + 0.200×10 + 0.200×5.0 = 4.66 → 46.6%

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FAQ

What APR does Upgrade charge?

7.74%–35.99% upgrade.com, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.