Min. Credit Score
Max. DTI Debt to Income Ratio
If you're only looking to borrow a small amount, Upgrade is a solid choice. Upgrade also offers loans to those with bad credit, and even if you don't qualify on your own, you can use a joint applicant. On the flip side, Upgrade charges lots of fees and offers limited repayment term options.
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Lender description Upgrade is an online and mobile banking service that offers affordable loans and credit cards to help consumers make wise financial decisions.
How to qualify You'll need to be at least 18 years old (in most states) and a resident of the United States. You'll also need to provide a verifiable bank account and valid email address.
How to apply Apply online in three steps by checking your rate, choosing your offer, and getting your funds.
Footprint Upgrade is available in 49 states and Washington, D.C. Loans aren't available in West Virginia.
Loan example If you receive a $10,000 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 in your account and would have a required monthly payment of $341.48.