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Upgrade Cash Rewards Visa Review

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Reviews 34,338

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Katy Ward
Katy Ward
Sep. 22, 20224 min read

Upgrade Cash Rewards Visa® summary

Online lending platform Upgrade, founded in 2017, offers the Upgrade Card, which acts as a hybrid between a credit card and a personal loan. It allows borrowers to make charges as they would on a credit card while making monthly repayments at a fixed amount, just like with a personal loan. Borrowers won’t have to pay any monthly fees and will receive an APR of between 14.99% - 29.99%.

Pros

  • No monthly fees
  • Compatible with Google Pay and Apple Pay
  • Multiple reward and cashback options

Cons

  • ATM cash withdrawals not yet available
  • Does not offer 24/7 phone support

Upgrade Cash Rewards Visa® Upgrade Cash Rewards Visa® Visit Upgrade

Overview

The Upgrade Card is designed to combine the flexibility of a credit card with the stability of a personal loan. Although the lender uses the umbrella term of Upgrade Card, there are 4 card types available: Cash Rewards, Triple Cash Rewards, Bitcoin Rewards, and Upgrade Card. The most suitable card for you will depend on the type of rewards you’d like to earn, as well as your credit profile. See below for more details on rewards and cashback.

You can use your card at participating retail locations or have the funds sent directly to your bank account. Once you begin making transactions, you can pay down balances in equal amounts at a fixed rate each month.

Suitable for?

The fixed monthly repayments and multiple card options could make Upgrade a good choice for those on a strict budget who want a tailored financial solution. The Upgrade Card is specially geared towards borrowers seeking to improve their credit scores.

With the Bitcoin Rewards card offering 1.5% back in Bitcoin on payments, this could be a strong match for those interested in cutting-edge financial technologies. 

The Cash Rewards card, offering 1.5% rewards on all purchases, may work for borrowers who spread their spending. Likewise, the Triple Cash Rewards Card could suit those who purchase more in the home, auto, and health categories, thanks to unlimited 3% cashback in these areas.

Upgrade also offers a $200 welcome bonus after opening a Rewards Checking account and making 3 debit card transactions.*

The recent launch of an Upgrade app could also make the platform attractive to digitally savvy customers who prefer to manage their finances on the go.

Interest Rates & Fees 

All 4 card types under the Upgrade Card umbrella are fee-free, which is one of the product’s most attractive features.

It’s also worth noting that you’ll be subject to a 1.5% transaction fee on the sale of Bitcoin via the Bitcoin Rewards card, which will be deducted from the proceeds of your sale.

Rewards & Cashback

The Upgrade Card has 4 versions, with 3 of these offering rewards.

  • Cash Rewards: unlimited 1.5% cashback on payments
  • Triple Cash Rewards: unlimited 3% cashback on payments from the home, auto, and health categories and 1% on other purchases
  • Bitcoin Rewards: unlimited 1.5% back in Bitcoin on payments
  • Wecome Bonus: Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.*

The above card types are available to those with an average to excellent credit score. If your score is lower, you could qualify for the Upgrade Card, but this doesn’t offer any rewards.

The Application Process

To start the application process, you’ll need to enter information such as your name, address, Social Security number, and income before creating an account with Upgrade.

Based on this information, the lender will determine the amount of credit available to you. While Upgrade states its lines of credit are typically below $25,000, it is possible to borrow up to $50,000.

Upgrade will perform a soft search on your credit history to determine how much you are eligible to borrow, but this won't affect your future credit score. If accepted, your APR will depend on factors such as your credit profile, credit usage, and the amount you have requested.

Once your application has been approved, you should receive your card within 7 to 10 business days.

Help & Support

You can contact Upgrade via phone, email, or social media. Its phone support hours are 6 am to 6 pm (PT), Monday to Friday, and 6 am to 5 pm (PT) on Saturday and Sunday. 

Security

If you apply for one of its products, Upgrade will request your personal and banking details and will then verify this information to check your credit score. However, it will not share your personal details with any third party other than its partner banks. Full details of Upgrade’s security policy are available online.

Upgrade’s cloud infrastructure, which is provided by a third party, is encrypted to protect customer data and the lender’s services are SOC1, SOC2, and SOC3 compliant—a standard of data security set by the American Institute of CPAs.

In addition to using a firewall, intrusion detection systems, malware detection systems, and data loss prevention systems to protect against fraud, Upgrade carries out vulnerability scans and ensures none of its employees have access to your password. Furthermore, all of Upgrade’s customer-facing services carry an SSL (Secure Socket Layer) certificate.

FAQ

Can I use my Upgrade Card with my phone or device?

Yes, you can add your card to Apple Pay or Google Pay and pay with your card at participating retailers.

Can I use my Upgrade card at an ATM?

No, this feature is not currently available.

How do I make my first draw?

Once you log in to your account, you can request a specific draw amount from the dashboard.

Does Upgrade have an app?

Yes, it recently launched the first version of its mobile app, which enables you to view and update your account on the go.

Conclusion

If you’re looking to avoid hefty fees on your borrowing, taking out a line of credit with Upgrade could prove an attractive option. As well as offering the security of fixed monthly repayments, you could qualify for generous rewards. The company’s APRs range from 14.99% - 29.99% , which could make it a more expensive option at the latter end of the spectrum. For many customers, the biggest challenge may be understanding the lender’s hybrid model. However, once you get to grips with it, the Upgrade account is extremely easy to manage.

Upgrade Visa® Card with Cash Rewards Upgrade Visa® Card with Cash Rewards Visit Upgrade

Methodology

This review was compiled using information on Upgrade’s website and by contacting its customer service team via email.

Disclaimer

"Upgrade Visa® Card with Cash Rewards" and "Upgrade Triple Cash Rewards Visa®":

* To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

"Upgrade Bitcoin Rewards Visa®":

* To qualify for the $200 bitcoin welcome bonus, you must open and fund a new Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1-2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it Refer to Program Terms. Your Upgrade Card must be in good standing to receive a bonus.

Katy Ward
Written byKaty Ward

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
ExcellentReviews 34,338
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Trustpilot reviews

See what some costumers are saying about Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
ExcellentReviews 34,338
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Excellent
82%
Great
11%
Average
3%
Poor
1%
Bad
3%
  • author
    Tawana
    Jan 01, 1970
    Very pleased with Upgrade

    Very pleased with Upgrade. The process was easy and their decision was quick. I had the money in my bank account the next day!

    ...

  • author
    Roberto Leno
    Jan 01, 1970
    I am happy and thankful for the Upgrade…

    I am happy and thankful for the Upgrade loan experience

    ...

  • author
    Kevin M
    Jan 01, 1970
    Upgrade Homerun

    Upgrade made the whole process extremely ckear simple. They provide detailed information on the loan offer making my decision straightforward and stress-free. Everything went according to their process and I could not be happier with the service or outcome.

    ...

  • author
    Jamey Summers
    Jan 01, 1970
    They are awesome to work with however…

    They are awesome to work with however the card is not listed as a card but as a personal loan so it doesn't give the ratio to cards only as a loan. I wish they would change it.

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  • author
    Donna Lombardi
    Jan 01, 1970
    I had a very good experience

    I had a very good experience. Operators were very good with knowledge. Pleasant telephone conversation. I would recommend this company to people in need of financial support. Highly recommend.

    ...

  • author
    Miriam Gonzalez
    a day ago
    I love my new credit card

    It was very easy to apply for a credit and so fast, I already have my credit card

    ...

  • author
    Paul
    Jan 01, 1970
    Applying for an Upgrade account was…Easy and a great credit card to possess.

    Applying for an Upgrade account was easy, efficiently handled, and quite professional. This is a great card because you establish a credit line and have total control over how much you use , when you want to use the credit line, and a very best way to pay off high percentage credit cards.

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  • author
    Candace Leonard
    a day ago
    Very helpful

    Very helpful, efficient and timely. thank you

    ...

  • author
    susan cui
    Jan 01, 1970
    Recent Loan Application

    I am an old client and this is my 2nd experience in loan application with Upgrade. The loan process was quick and easy and with no hassle. I am very impressed with the service and the online method was even quicker and faster. In 2020, I was given a situation that was beyond my control and at that time I still had an existing loan with Upgrade, they understood my situation and I was not harassed. That explains why, I go with upgrade for my financial needs. More power Upgrade: ) You are the BEST!

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  • author
    Ineshia Austin
    a day ago
    Upgrade is wonderful

    I love upgrade they help in the time of need and is fast also reliable. They stand behind there word..thanks for the help upgrade.

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  • author
    Ms Lee
    a day ago
    The process was Fast And Simple

    The process was Fast And Simple. I asked for the Money, I set up what cards were to be paid and the remaining funds were send directly to my Account. That’s it that’s all. The monthly recurring is set up for you. It’s couldn’t be any easier that that. Thank you UPGRADE!!

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  • author
    Raylene
    a day ago
    Simple

    Easy, easy, easy and customer service “Aaliyah” was the best ever. Shout out to her 💜

    ...

  • author
    martin delgadillo
    a day ago
    PERSONAL LOAN

    THE LOAN PROSES WAS GOOD AND THE MONEY WAS DEPOSIT TO MY CHECKING WITH IN 3 DAYS

    ...

  • author
    Paul Ruebe
    a day ago
    Quick

    Quick, easy to apply for, fast deposit.

    ...

  • author
    WANDA
    a day ago
    Quick

    Quick, simple, no hassle loan. No long paper work and a reasonable rate.

    ...

  • author
    Paul Vetrano
    a day ago
    It's a great company who takes care of…

    It's a great company who takes care of their customers

    ...

  • author
    Chris Nihill
    a day ago
    Everyone was very knowledgable.Quick…

    Everyone was very knowledgable.Quick and easy after all documents are submitted.

    ...

  • author
    virgie clark
    a day ago
    They are Awesome and customer is the B…

    They are Awesome and customer is the B O M B Never had a problem with them very quick and professional

    ...

  • author
    Richard Coleman
    a day ago
    Experience so far has been good

    Experience so far has been good. Still early to fully say. But so far so good.

    ...

  • author
    Jerome braun
    a day ago
    The Best / no shopping for banks

    Gate City bank is one of the best banks I ever used ,when I moved here I opened an account at a local bank when I went to get a loan they said no , closed it went to another bank was ok for small loan but when I wanted a new car said no , so I went to gate city they said no problem got checking and saving acct , no atm fees even in a foreign country $2.50 to take out currency. I have had problems with companies and they would straighten it out a very helpful bank ,I can not say enough good things about the bank I am trying to see if I can get my relatives from other states to open accounts !

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  • author
    Upgrade Gal
    Jan 01, 1970
    Excellent payment history yielded loan denial from another Company

    At this time I am in the process of getting my credit back in line, the Covid years have not been kind to my family and I. I had recently paid off a large Loan of 35k from a different company, and I needed a small amount for car maintenance and got denied from that company. My payment history with that company was excellent; I had no late or missed payments, and yet I was denied. I heard about Upgrade through Credit Karma and tried to give it a chance and I was approved right away. I am thankful for this company, I can now get the car maintenance I need.

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  • author
    brenda roe
    a day ago
    said your approved then send you a…

    said your approved then send you a message that your not

    ...

  • author
    DEBORAH SHOCK
    a day ago
    Great opportunity

    The process was easy and quick with lots of support from the Upgrade folks

    ...

  • author
    ERNEST SOUDERS
    a day ago
    I loved it

    I loved it, this was the easiest process i have ever done

    ...

  • author
    LINDA RUIZ
    a day ago
    Very speedy and easy to communicate…

    Very speedy and easy to communicate with for the whole process.

    ...

  • author
    Shannon Owens
    a day ago
    I recently applied..it was ridiculous…

    I recently applied..it was ridiculous the hurdles u had to go thru.. and i still haven't recieved my card

    ...

  • author
    Renee Scheele
    2 days ago
    It was very easy to apply and…

    It was very easy to apply and everything was done quick and efficient. I like everything on line and it was super easy, especially thru Credit Karma.

    ...

  • author
    Brenda Which
    Jan 01, 1970
    I have trouble finding in the app where…

    I have trouble finding in the app where you go to have money transferred to your account. It is not easy to find. And once I do find it and and I'm able to transfer the money it takes 4 days which seems to be a long time

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  • author
    JONATHAN BEGLEY
    Jan 01, 1970
    Awesome!

    This is a awesome way to buy and payoff your purchases. Bought a generator and will pay it off quick and easy.

    ...

  • author
    Maria L
    Jan 01, 1970
    Getting a loan was fast and easy

    Getting a loan was fast and easy. I completed my application and was given a response quickly.

    ...

  • author
    Christine
    Jan 01, 1970
    I would recommend Upgrade 100%

    Upgrade was easy to work with. I've had loans three time from Upgrade. Customer Service has always been nice and very helpful.

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  • author
    Steven C. Evans
    Jan 01, 1970
    The process was simple

    The process was simple. They were very helpful

    ...

  • author
    Repeat Customer
    Jan 01, 1970
    Easy Process, No BS, Fast & Friendly

    Repeat customer with Upgrade. They make the process easy. Funding is fast. Friendly service. People pick up the phone! :-) Definitely recommend.

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  • author
    Timothy Matia
    Jan 01, 1970
    Very satisfied

    Easy,quick,low pressure.

    ...

  • author
    Derrick Bailey
    Jan 01, 1970
    Helped me bring my credit score up

    Helped me bring my credit score up, I can talk to a real person when I have questions & they work fast when I apply for a loan

    ...

  • author
    M.D.Stallings
    Jan 01, 1970
    Great

    They are great to work with. The lady I spoke with was very helpful and professional on the phone.

    ...

  • author
    Norma
    Jan 01, 1970
    Upgrade has been the easiest to deal with. I highly recommend them.experience…

    Upgrade has been the easiest experience I've had when it comes to my finances. Everything is explained thoroughly, and you don't have to wait long to get an answer. They are professional and prompt.

    ...

  • author
    Julius Carter
    Jan 01, 1970
    Very convenient

    Very convenient and smooth process

    ...

  • author
    Mary Andrade
    Jan 01, 1970
    Very helpful

    Very helpful

    ...

  • author
    B LUANGSRINHOTHA
    Jan 01, 1970
    Very good service

    Very good service

    ...

  • author
    Dianne Good
    Jan 01, 1970
    quick and easy

    The process was quick and easy and payments were made qickly.

    ...

  • author
    Frank Isola
    Jan 01, 1970
    Very easy and friendly

    Very easy and friendly

    ...

  • author
    Sam
    Jan 01, 1970
    Quick and experienced

    The whole process was fast and easy

    ...

  • author
    SANDRA GONZALES
    Jan 01, 1970
    Great

    Great experience, helpful and clear understanding

    ...

  • author
    Tracey Lane
    Jan 01, 1970
    Persona Loan

    Upgrade is a great company!! They assisted me with a personal loan & the process was completed within a couple of days!! The customer service was great & I was well informed with every step.

    ...

  • author
    anthony Santiago
    Jan 01, 1970
    I recieved the amount I needed and…

    I recieved the amount I needed and everything worked out thank u upgrade

    ...

  • author
    Jack
    Jan 01, 1970
    It was a very easy process.

    It was a very easy process.

    ...

  • author
    Marvin Barrios
    Jan 01, 1970
    The best

    Very good experience they deposited the money one day after the aproval

    ...

  • author
    Adrian Robinson
    Jan 01, 1970
    Great Line of Credit

    I was excited to receive a line of credit with a 5,000 limit available with a quick approval and ready for use.

    ...

  • author
    Tom Squires
    Jan 01, 1970
    I'm trying to rebuild my credit and…

    I'm trying to rebuild my credit and Upstart was kind enough to offer me a credit line. Thank you Upstar.

    ...

  • author
    Lila Brown
    Jan 01, 1970
    From start to finish this process was…

    From start to finish this process was streamless and speaking with Steven was my absolute pleasure

    ...

  • author
    Allan Lewis
    Jan 01, 1970
    Process was very easy to navigate

    Process was very easy to navigate. Customer service was knowledgeable and courteous.

    ...

  • author
    Marisol Santana
    Jan 01, 1970
    I was amazed on how fast and quick this…

    I was amazed on how fast and quick this process went. I can now pay all bills and just have one payment a month. Thank you

    ...

  • author
    Gayle Veanueva
    Jan 01, 1970
    Have not received paperwork yet or…

    Have not received paperwork yet or amounts of payment or loan

    ...

  • author
    Michael Vigliotti
    Jan 01, 1970
    This company should be called down grade

    All you fools that gave a 5 star with this company are probably to blind to see how bad and incompetent they really are. This company sucks and the BBB should take them off there list of companies. They should be called down grade instead of up your ass grade. Because that's what they did to me. They know what happen but cant fix there stupidity and incompetence.

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  • author
    Donna Jenkins
    Jan 01, 1970
    Easy application

    Easy application, but did not answer all the questions I had.

    ...

  • author
    M. Cannon
    Jan 01, 1970
    Upgrade made the process so easy

    Upgrade made the process so easy. Between the app and online uploading documents was easy. The communication and explanation of what is needed was done professionally and efficiently making it Seemless.

    ...

  • author
    GARY WATERS
    Jan 01, 1970
    Easy

    Easy, convenient, and fast response to receive your desired results. Appreciate the experience.

    ...

  • author
    James Withrow
    Jan 01, 1970
    Easy and fast acceptance.

    Easy and fast acceptance.

    ...

  • author
    cynthia ortiz
    Jan 01, 1970
    I applied for a loan with upgrade much…

    I applied for a loan with upgrade much to my surprise I was approve to pay off 3 credit cards.. then they approved me for additional $1,000 this was an easy process they deduct the money right from your acct no problems I recommend them very highly

    ...

  • author
    Lauren
    Jan 01, 1970
    Easiest Ever

    Getting loans, especially sizeable ones, is an excruciating process. Usually. Not this time. I'm not sure how they do it, but I wasn't asked for any proof of income or assets or other debts, for that matter. Getting a loan from Upgrade was one of the quickest, easiest, and most problem-free things I've ever done. Everything was completely transparent, and I easily understood everything about the loan. I don't know what else to say.

    ...

  • author
    Dennis Scott
    Jan 01, 1970
    The application process was easy to…

    The application process was easy to follow and understand. When I called with questions regarding the terms the agent was very courteous, polite and knowledgeable. For me the entire process was great!

    ...

  • author
    DARON TUTT
    Jan 01, 1970
    Well i never been realy big on words…

    Well i never been realy big on words but these guy and girl at upgrade came threw for me.they listed to my request studyed my profile and found ways to help and am greatful thanks upgrade

    ...

  • author
    Linda Griego
    Jan 01, 1970
    Great Card

    The application process was easy and I had a very quick response. My questions were answered promptly and professionally.

    ...

  • author
    STEVE BOND
    Jan 01, 1970
    Applying was a breeze as was using my…

    Applying was a breeze as was using my virtual card. The only problem I have is sending money to my every day account

    ...

  • author
    Nina Glover
    Jan 01, 1970
    So far so good

    So far so good. I love the credit monitoring.

    ...

  • author
    B.Smith
    Jan 01, 1970
    Fast and Friendly

    Very quick response and friendly customer service people.

    ...

  • author
    john womack
    Jan 01, 1970
    Was trying to figure out which loan I…

    Was trying to figure out which loan I needed or wanted,everything went well and I got the right loan for me

    ...

  • author
    GREGORY
    Jan 01, 1970
    Simple and and easy to use

    Simple and and easy to use

    ...

  • author
    Rob Stumpf
    Jan 01, 1970
    Idk ?

    I once saw a squirrel and his name was nuts. I threw a ball at him knocked him numb. He then became numb nuts. It was kinda funny. Hope you have a nutty day. We don’t moderate or censor reviews before they’re posted because we trust that the majority of our users have good intentions. But publishing a review online means it’s public. Therefore, the same kinds of rules apply to customer reviews as to any kind of published opinion. Freedom of speech gives you the right to express yourself, but there’s a line between appropriate and inappropriate. At the extreme end, the law prohibits defamatory statements. This includes accusatory statements that are untrue or not yet proven to be true.

    ...

  • author
    Steve
    Jan 01, 1970
    Very simple

    Very easy online process. Recieved our funds quickly.

    ...

  • author
    Victoria Powell
    Jan 01, 1970
    although I have not use the card or…

    although I have not use the card or have receive the card thank you for the experience of filling out the application was easy.

    ...

  • author
    GLENNA WILSON
    Jan 01, 1970
    Appreciated the prompt response.

    Appreciated the prompt response.

    ...

  • author
    ETHA SANDERS
    Jan 01, 1970
    satisfaction of service

    Everything was easy and quick responses.

    ...

  • author
    Brenda Small
    Jan 01, 1970
    So far I have not have to hold on the…

    So far I have not have to hold on the line for a long period of time. I like that I can speak to someone in less than 5 minutes. At each time I call, I was given the information that I needed to solve my problem. Also, everyone whom I had the pleasure of working spoke clearly and concisely, making my conversation easy to understand. Thank you for giving me the opportunity to let you know about my great customer service that I have received.

    ...

  • author
    K.C.
    Jan 01, 1970
    I took a chance on applying for this…

    I took a chance on applying for this credit line based on recommendations from Credit Karma. I was happy that I was approved. I have 2 other accounts from Upgrade. This product will give you a credit mix. You are able to make a cash withdrawal and also use it as a credit card.

    ...

  • author
    James
    Jan 01, 1970
    Very easy to use thank you for your…

    Very easy to use thank you for your business

    ...

  • author
    TRINA MORGAN
    Jan 01, 1970
    No problems

    No problems. I appreciate that the reps speak plain English and that they seem to sincerely want to help

    ...

  • author
    Ortega
    Jan 01, 1970
    Best Personal Loan service out there.

    Loan process was very simple and quick. I received my loan quickly and took care of what I had to right away. I would definitely recommend Upgrade to others for their financial needs.

    ...

  • author
    Peter
    Jan 01, 1970
    Good company that helps you out if you…

    Good company that helps you out if you want to rebuild credit.

    ...

  • author
    KENNETH BURTON
    Jan 01, 1970
    Thank you

    I have found your company to be very helpful and I am very appreciative! Thank you

    ...

  • author
    Steven Morgan
    Jan 01, 1970
    I haven’t had the card long

    I haven’t had the card long , but I see the other reviews was good .. so I’m looking forward to seeing what I’m Store for me .

    ...

  • author
    Tammie J Starks Boyd
    Jan 01, 1970
    Easy and quick website

    Easy and quick website

    ...

  • author
    Mary Cain
    Jan 01, 1970
    Upgrade Came N Help Me N

    Upgrade Came N Help Me N My Need Of Time When My Vehicle Went Down Thank U For Your Service 💞🙏🏾

    ...

  • author
    Trudy Tool
    Jan 01, 1970
    I had some questions regarding my new account

    I had some questions regarding my new account, and the representative was friendly, knowledgeable and answered all my questions in a positive, upbeat manner. I appreciated the great customer service.

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  • author
    Polo
    Jan 01, 1970
    Easy to Apply

    The whole process is quick. There are some improvements that the website could use, but in general it's easy and painless.

    ...

  • author
    Rani Torres
    Jan 01, 1970
    Easy to sign up

    Easy to sign up. Funded checking account but after about 4 business days, funds are still not in available balance though they show in current balance. App seems to have alot of technical problems. Can't really access anything.

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  • author
    Christi
    Jan 01, 1970
    Quick & Easy Process…

    By far the quickest and easiest experience for getting a loan/line of credit. I received a pre approval letter from Upgrade, decided to check out their offer, and within minutes we were done and my card was on its way. I didn’t even have to call anyone or wait on hold!

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  • author
    Sean Stacy
    Jan 01, 1970
    Is was an easy process with a quick…

    Is was an easy process with a quick response time! Very helpful!

    ...

  • author
    Shelia
    Jan 01, 1970
    I have tried unsuccessfully at least 10…

    I have tried unsuccessfully at least 10 times to sign into my account and an am unable to do so this seems like it's so complicated all I try to do is sign into my account tells me my password's wrong and then I need to verification code but when I get out of that screen to go get the verification code from my email and go back to put in verification code it goes right back to from the beginning again it's ridiculous I am very unhappy that I cannot get into an account of which I was approved for so the funds will just be canceled

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  • author
    Anthony Ratti
    Jan 01, 1970
    Rate is great!

    Quick, easy, professional, great rate!! Thank you!!

    ...

  • author
    charles fink
    Jan 01, 1970
    Everything was fast and easy

    Everything was fast and easy. Fee was high but Everything was great.

    ...

  • author
    LAWRENCE WILSON
    Jan 01, 1970
    I've only had a great experience with…

    I've only had a great experience with upgrade. I will recommend them to everyone I know. Thank you for basically giving me my life back!

    ...

  • author
    Stephen Martinez
    Jan 01, 1970
    Upgrade rocks

    Overall easy and quick experience I thank you graciously

    ...

  • author
    Dorothy Lovett
    Jan 01, 1970
    I applied for the Upgrade card last…

    I applied for the Upgrade card last week and was received a email advising me that, not only was my application was successful but that I may use the credit before the actual card was received. Unbelievable!

    ...

  • author
    Michelle
    Jan 01, 1970
    Quick

    Quick. Easy and affordable pay back terms

    ...

  • author
    Michael Wiechert
    Jan 01, 1970
    Quick and fast.

    Quick and fast.

    ...

  • author
    leevoied lawson
    Jan 01, 1970
    A sinking ship

    I needed a loan. After trying a couple times I thought I was outta luck trying to pin one down. Upgrade came through for me when others wouldn't. The process was simple and easy to understand. Thank you Upgrade, I appreciate you very much for helping me when I needed it most.

    ...

  • author
    LATONYA MADDOX
    Jan 01, 1970
    Great company

    Great company! Willing to help when in need and approval is fast and easy. Great customer service.

    ...

  • author
    Karen Pierce
    Jan 01, 1970
    easy to use

    easy to use, great customer service

    ...

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