Upgrade

Check your balance, available credit, pay bills and track your rewards.

Features include:
• No-Fee Mobile Banking - Check your balance, pay bills, and transfer funds. We charge no ATM fees, account fees, transfer fees.
• Track Your Debit Rewards - Track your rewards, earn 2% cash back on common everyday expenses and recurring payments, and 1% cash back on all other Upgrade Visa® debit card charges.
• Manage your Upgrade Card or Loan - Manage your payments and check your outstanding balance.
• Manage your credit score - Check your credit score, get notified of any change in your credit report, track potential ID theft, use our credit score simulator to see how different actions may impact your score using real data from your credit report.

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Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% 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 $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.