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Upgrade Reviews 56,209

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TrustScore 4.5 out of 5

4.7

Non-Bank Financial Service
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Review summary

Created with AI, based on recent reviews

Looking at 6,960 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the ease of the user experience, finding the process of applying and managing payments to be simple and straightforward. Many appreciate the quick response times for approvals and the timely delivery of funds. The service is often described as excellent, with people finding the payment plans affordable and convenient. However, some customers also noted issues with pricing, specifically regarding interest rates being higher than desired. A few other people also felt that there were problems with payment processing, including unexpected charges or difficulties in paying off certain credit cards.

What people talk about most

User experience

Reviewers highlight positive aspects of user experience, consistently praising the platform's ease of use and... See more

Payment

Customers had positive experiences with payment, appreciating the flexibility of payment plans for purchases... See more

Service

Clients share positive opinions on service, highlighting the ease and speed of obtaining loans, with many... See more

Response time

Consumers generally find the response time to be positive. Many reviewers appreciate the quick answers and... See more

Price

People report ambiguous experiences with price. Many customers find the payment plans and fees affordable,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

So far I’ve only used upgrade for vacations. It’s very simple to use and a fast process. I do like the monthly payments vs the biweekly! There are some lodging companies (ex: vrbo) or shopping compani... See more

Rated 5 out of 5 stars

This is my second time utilizing Upgrade for debt balancing and it was just as smooth as the first time. Fast process, great right, and really a no brainer. If your looking for options to balance debt... See more

Rated 5 out of 5 stars

My experience was great in that it was easy to navigate the information needed to apply for loan. I love that this platform affords me the opportunity to access items, companies that as a person in a... See more

Rated 5 out of 5 stars

I only have one problem with pay in 4s or 6 or 12 they don’t retrieve money back when you no longer want to purchase an item . Other than that I think it’s a good idea in general love me some installm... See more

Company details

  1. Non-Bank Financial Service
  2. Alternative Financial Service
  3. Loan Agency
  4. Payment Service

Written by the company

Upgrade is a trusted financial technology company that provides customers with access to affordable and responsible credit, mobile banking, savings, and payment solutions. With thousands of positive Upgrade reviews, we’re proud to help customers build stronger financial futures. Upgrade offers a comprehensive suite of financial products to help customers build credit, manage money, and reach their financial goals through personal loans for debt consolidation, major purchases, and other life expenses, cards that reward responsible credit use, high-yield savings and deposit accounts with no monthly maintenance fees, Buy Now, Pay Later (BNPL) options through Flex Pay, home improvement financing for projects and renovations, auto financing at 1,500+ dealerships and auto refinancing options, and free credit monitoring and financial education tools. Upgrade is a financial technology company, not a bank. We partner with FDIC-insured banks and other financial institutions that originate loans and personal credit lines, provide deposit accounts, and other services obtained through Upgrade. For more information, visit https://www.upgrade.com/. Upgrade's bank partners can be viewed here: https://www.upgrade.com/bank-partners/.

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

56K reviews

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Rated 1 out of 5 stars

Proceed with caution

Upgrade was easy to get money from initially years ago. I used the cash line of credit many times and always paid them back without ever being late over the course of 5 years or so. Recently, they decide to eliminate the option to use the cash lines, I have two cards with them and also had a loan that I paid off in full. Today they removed thousands of dollars in credit from both cards, essentially lowering the limits from six thousand to five hundred dollars. Both cards now show a negative balance and have become useless. At the same time they keep spamming me with personal loan offers, make it make sense. I don't need Upgrade since I have many other credit cards and tried to close the card accounts, they told me I had to pay the balances in full or they won't close the accounts. This is my experience with Upgrade. Proceed with caution. They damaged my overall credit score by removing almost all of the available credit. This is bad business.

May 20, 2026
Unprompted review
Rated 5 out of 5 stars

What made my experience wonderful

What made my experience wonderful, have you ever wanted to just go somewhere anywhere . Flex pay allow you to go and pay later. I took my grandson on his first cruise the experience was priceless. Thanks upgrade

December 22, 2025

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