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BestMoney.com
Upgrade Cash Rewards Visa Review
Reviews 38,242
Upgrade Cash Rewards Visa®
Visit Site
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
Excellent
Reviews 38,242
Katy Ward
Dec. 21, 2022
3 min read
Katy Ward
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 annual fee
  • Unlimited 1.5% cash back
Cons
  • APRs can be high
  • Can't use card at ATMs

Upgrade Cash Rewards Visa® at a glance

4.8
Editorial score

Fees

No annual fee, no late fees, and no foreign transaction fees
5.0

Eligibility (credit score)

Accepts all credit types
5.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
5.0

Customer service

Multiple communication options, wide range of hours
4.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features
5.0

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 Cash Rewards Visa® Upgrade Cash Rewards Visa® 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 welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

Katy Ward
Written by
Katy 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.‎
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See what some costumers are saying about Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
Excellent
Reviews 38,242
on
Excellent
82%
Great
11%
Average
3%
Poor
1%
Bad
3%
L
lindsay brown
7 hours ago
Great
Great opportunity
T
tanya johnson
6 hours ago
The loan process was fast and simple.
The loan process was fast and simple.
N
naresh ankam
10 hours ago
Smooth application process but delay in funds transfer
Although the initial application process was smooth and it was approved quickly, the funds transfer took long. I had to call few times to enquire about the funds.
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michelle albert
14 hours ago
Terrible company to deal with
Terrible company to deal with. Very crooked and shady practices. Be warned ⚠️ Negative 5 stars
A
alberto m
a day ago
very good company also a very easy to…
very good company also a very easy to get loan approved.
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bret garrett
2 days ago
Absolute garbage company, avoid at all costs
Absolute garbage company. After numerous calls and emails to Upgrade they still refuse to provide the requested documents and/or update anything with the credit bureaus. I’ll be filing a complaint with the Consumer Financial Protection Bureau. I’ve had multiple agents and supervisors just lie about doing something and then it’s never done. They do everything they can to get you off the phone by saying they’ll take care of the issues but never do and when you call back they pretend like they have no record of anything.
S
shante young
2 days ago
Funds to Transition
Small loan to transition in life financially. Thanks for the help from Upgrade!
C
chris papageorge
2 days ago
The agent was congenial and courteous
The agent was congenial and courteous. The agent understood the problem and recommended an effective course of action.
D
david phan
2 days ago
Transparent rates and flexibility to…
Transparent rates and flexibility to change loan details via an easy to use UI Real-time approval results and most importantly Easy doc signing process I have a 2nd loan with upgrade because upgrade is great
N
nathan hilscher
2 days ago
Easy to use online service
Easy to use online service
D
duane suby
2 days ago
Smooth experience
Smooth experience
S
shawn
3 days ago
Don't get this card
Don't get this card! They are now charging you to transfer money to your bank account 5% ! Unbelievable! They never did this before. They lowered my credit limit even though I've ALWAYS been on time and pay more than the minimum. That's not all! Now they charge you for automatic payments! They have changed the entire company. DO NOT GET THIS CARD IT IS A SCAM
M
mitchel hedrick
3 days ago
No Fees
The easy fact
m
mountaineer steve
3 days ago
pathetic, after over 6 weeks my approved account is still not open
I never had a bank incapable of opening a bank account that has been approved. I have been trying for over 6 weeks, and the account has remained in limbo. I called at least 6 times for help. Twice I was told I would get a call from a supervisor which never happened. Twice I was told they were going to expedite the process of getting the account open, which never happened The last time I called I was told, it is a glitch in their system and I was not the only person have the problem. I mean if they can't even perform the simplest of tasks of opening an account, how can I or anyone trust them with not losing the money once the account is opened? To upgrade folks. Since this has been going on since November, I just picked a random date as the date of my experience with you
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gregg pugh
3 days ago
Received an email stating that even…
Received an email stating that even though my accounts payments are done via ach and on auto pay that they are now going to charge you for it. What a rip off, so the fee they are now going to charge will also have interest added. This is poor business, I can understand it if not being ACH and on auto pay. Would not recommend this company
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tonya london
4 days ago
Knowledgeable operator
Knowledgeable operator
E
earl ketchum
5 days ago
At this point in time there is no…
At this point in time there is no problems but I have come up for me to make an honest review
K
kellie goode
5 days ago
Caller was very clear and explained…
Caller was very clear and explained every question I had. Very helpful.
R
renee batiste
5 days ago
This company is horrible at customer…
This company is horrible at customer service
T
timothy figueroa
5 days ago
Have my credit line frozen
Have my credit line frozen, even tho I’ve never missed a payment on my account.
W
william parsons
5 days ago
Upfront and honest
Upfront and honest
J
john l.
6 days ago
Easy to get things done on the site
Easy to get things done on the site. No complaints.
R
robert
6 days ago
High credit card interest rates
I had high credit card interest rates, I decided to consolidate $25k worth of debt with over 27% rates. Upgrade made it possible to reduce the rate to 16% for a personal loan… it was all done on line within 5 days to funding. I now see light at the end of the tunnel!
S
sheri
7 days ago
Not complicated
The simplicity of the application, quick reply, and short turn around time from approval to deposit made obtaining a loan through Upgrade a positive experience.
J
jewell nichols
7 days ago
Working with Upgrade was a simple &…
Working with Upgrade was a simple & effective process. All communication with the representatives was handled professionally & efficiently.
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edward allenn
7 days ago
I’d give no star if I could
I’d give no star if I could. Horrible experience with this company. They double charge my account then give a run around for the correction. I called got a person named Diamond who is the person in charge who refused to correct the situation got a run around for 2 days straight.The money they took was for food and gas and they didn’t want to hear anything gave me excuses right up to they have no access to their systems. I highly recommend you don’t ever use this company I regret it will never use this company again they do not care about their customers only the money.
S
seyed shahrestani
7 days ago
Convenient and easy app
Convenient and easy app
J
joy gehm
7 days ago
Easy to apply
Easy to apply
A
alvin
7 days ago
Process was handled quick and…
Process was handled quick and relatively easy, I appreciate the attention to their detail.
C
christopher gutierrez
7 days ago
Pretty straight forward experience
Pretty straight forward experience
G
garth
8 days ago
The Upgrade Card is very misleading
The Upgrade Card is very misleading. I applied for this card and thought it was a Credit Card, but it's not a credit card, it's just a line of credit card. The way the product is marketed is very misleading. Please be aware, and do not believe it's similar to a regular credit card issue by other banks.
D
donald
8 days ago
Customer service
Customer service. Everything that was offer is outstanding!
R
rajesh
8 days ago
Easy and convenient
Easy and convenient way to open and maintain accounts.
D
dimitrios
8 days ago
The best credit
The best visa
M
mike dianda
9 days ago
good customer service
Quick and easy good customer service
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keith wheeler
9 days ago
Poor customer service and company reliability.
We have used upgrade in the past due to how fast you receive your funds. We are always quick to pay off our loans. This last time we really need our funds quickly and upgrade failed miserably. It has been 10 days since we were approved and we still have not received our funds. If you need a quick and reliable loan company, look some where else. After multiple calls I have been told multiple times that they escalated our loan and we would have our funds in 24 hours. Again, we have yet to see any funds. Upgrade has put us in a really bad spot with their terrible service. We will never use them again.
F
francisco castro
9 days ago
Fast and easy to apply for a loan
Fast and easy to apply for a loan
J
jolie gaudet
10 days ago
Quick and easy service benefiting…
Quick and easy service benefiting customer needs
O
oluwatobi jato
10 days ago
I was luckily able to resolve my issue
I was luckily able to resolve my issue. However, an individual named Micheal from the support team displayed a very bad example of customer service. Unsatisfactory & impatient attitude, while I needed help; without any reason from my end. Just very unprofessional. Also, no follow up or cordial round up while of phone to make me feel that my issue was going to be resolved. This is not the type of customer service I received from any other support team member. I was very disappointed by this, but all in all, I’m grateful that my issue was resolved. I had to contact another support team member who was able to finish the resolution of my issue.
g
ginger henkel
11 days ago
the app is simple enough to use
the app is simple enough to use
T
thomas mulcahy
12 days ago
Quick response
Quick response - no hassle at all. Would highly recommend this service.
C
ct
12 days ago
Consumer Beware
An acct. was opened in the Dominican Republic under my name. For over a year I have been trying to close the acct. It continues to show as an active acct. with an avail. balance, even though customer service states the acct, is closed. Customer service tells me there is no way to remove the information from their website. I advise people to think very carefully before opening an acct. with this company. These practices sounds similar to what the bank with the stagecoach was doing before they were busted. I strongly advise against doing business with Upgrade. My most recent attempt to delete the acct. was today 1/27/23
J
jaime
12 days ago
Easy approval but long wait for cash
It was an easy approval process, however it’s been a week and I still do not have the money. I’ve never worked with a company which took that long to disburse the cash.
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doug titus
12 days ago
Haven't really had none yet waiting on…
Haven't really had none yet waiting on my card.
V
vanessa taylor
12 days ago
Told that process would be fast however…
Told that process would be fast however 2 weeks later and still not complete
C
cynthia hughes
12 days ago
The representative was very helpful…
The representative was very helpful considerate
H
horace mccluster
12 days ago
Trems and convince
Fast transfer. Easy payment.
R
r. tingley
12 days ago
Kept getting emails saying needed more…
Kept getting emails saying needed more information and then when opened the link and logged in it said the loan was "in review". This went on for just over a week and I called a couple of times. The last call the nice lady said the answer to the $45,000 loan was no. I asked what amount of loan I was approved for and she said I would have to resubmit everything and ask for a lower amount. To maybe eventually find out how much I may qualify for in a loan from Upgrade? How many hits and lowering of my credit score until I hit the "magic number" Upgrade might loan me? No thank you. That is a ridiculous way to give out loans. My last 3 tax returns were 2019 over $355K, 2020 at $324K, and 2021 $157K with credit scores of about 740+ Transunion and Equifax, 680ish Experian. Guess not good enough. Was it the 5 car loans I still have after paying off 9 other ones in the last 4 years? The one late payment in the last 7 years, obviously a mistake with over 1000 on time payments to everything else? Guess I will never know nor care at this point. I will never recommend Upgrade and of course tell anyone who asks to never bother applying. Thank you for soliciting feedback but doubt you wanted to hear any of this.
T
tammy yoch
12 days ago
Great customer service!
Great customer service!
J
jorge portillo
12 days ago
Quick response no hustle and friendly…
Quick response no hustle and friendly application to fill out. Great promotion
M
miss ilana steinberg
12 days ago
I would like to get a lone
I would like to get a loan and I got a loan from you before and I paid it off way before the due date! Just because I out in the wrong amount of money I make it is now such a problem to get another loan!
C
christine ennis
12 days ago
Interest rate was too high
Interest rate was too high
C
catherine mueller
12 days ago
fast approval user friendly site and app
fast approval user friendly site and app
L
louise
13 days ago
New Account
Very easy to open account! Friendly customer service. I transferred money from one Credit Union to another to fund my new account very very easily!
C
claryn burnett
13 days ago
The company is a fraud
The company is a fraud. They should have full disclosure. They are not a debit card or loan company. They are mor of a prepaid account using your banking.
F
felix wormley
13 days ago
I loved the service
I loved the service
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james tyler
13 days ago
Do not do business with Upgrade!!
Do not do business with Upgrade! U will regret it! I open a checking account with Upgrade last year (July). A bad decision I made. They closed my account n December with no valid reason. And canceled my card. Why? Don't know. Every time I called customer service I received a different answer. They never respond 2 my e-mails. They have a customer service rep (Tanisha) who has a pattern of disconnecting on u after she places u on hold. My account was closed n Dec, with $505.00 n my account. As of this date, I have not received my money via check by mail nor has it been sent 2 the external bank account I had linked with Upgrade when the account was opened/closed. Stay away from Upgrade! U have been forewarned. You're welcome.
a
arundhati nag
13 days ago
easy set up and transactions
easy set up and transactions
T
ty olson
13 days ago
The process from start to finish was…
The process from start to finish was smooth, good information. I will be transferring balances soon.
A
angie eddington
13 days ago
Upgrade is very helpful in many…
Upgrade is very helpful in many different ways.
M
michael garcia
13 days ago
Easy,fast
Easy,fast, and honest..ALL the things I was looking for in a loan
D
donna marlette
13 days ago
I just opened my account.
I just opened my account.
M
mrs. long
13 days ago
The account opening was very easy.
The account opening was very easy.
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michael bissell
13 days ago
Simple Lending
It was easy and really quick!
M
mamadou ndoye
13 days ago
Easy process
Easy process, relatively quick. Lower APR would have been nice, but it was still worth the investment.
E
eduardo prado
13 days ago
best credit card ever
i want to thank upgrade for the great offers it has been very helpful for people like me and i think your business is doing a great help for people in need of building credit thank you
T
thomas hoaglund
13 days ago
Saved us a ton
Saved us a ton of money in interest and increased our monthly cash flow. Awesome!
J
jennifer s
13 days ago
So easy!
Super easy to get a loan. Complete all information, link your bank account and within 1-2 days was able to receive the loan!
A
at
13 days ago
Satisfied Customer
Great customer experience using your self application portal
r
rene eckert
14 days ago
All I had to do was answer a few…
All I had to do was answer a few questions. Had a response in a few hours. Very easy to do. Wish all credit/loans were this simple. Cudos to the Upgrade family
T
trinidad martinez
14 days ago
It was quick response and approval
It was quick response and approval. Just ask for basic information. Glad I used it and so far ..Thank You
j
jack
14 days ago
great representatives
great representatives. great actually fantastic website where you can manage all products. I always get perfect advice when i call in. The rates do seem a little high but i have a poor score. Upgrade has been consistent with me for over 5 years. They truely are there to help you. Do not pay early unless you use the one time payment choice. Upgrade is commited to helping you get out of debt. It does take understanding on the customers part and diligence to achieve your goals.
Y
yeison caro
14 days ago
Thank you for helping me when I most…
Thank you for helping me when I most needed,I’m really grateful
S
seung wan kim
14 days ago
very good customer service…
very good customer service ......excellent
D
denise cacchio
14 days ago
I haven’t gotten my loan yet and it’s…
I haven’t gotten my loan yet and it’s almost a week
J
junior
14 days ago
Double charged
I feel like I’m being punished for paying a few days before my due date. My payment was due in the middle of the week so I decided to pay the Friday prior to get it out of the way. I check my bank account to see that Upgrade pulled 2 payments instead of 1. Now my bank account is overdrawn. I requested 1 of the payments to be reversed, which they said they’ll do, but it’s going to take 7-10 business days to do so. I’m sure with all the money they make they can credit my bank account. Now I’m going to be hit with overdraw fees through my bank. Will definitely think twice about paying early and once my loan is paid off steering clear of this company.
E
erica leduc
14 days ago
Forces you to sign into your bank, not just link
I didn't like how you are forced to log into your bank account with your personal credentials instead of just linking it with the routing number and account number. It gives you the option of both but you can't move forward unless you sign in with your credentials.
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amanda jay
14 days ago
Extremely dissatisfied with Upgrade
Extremely dissatisfied with upgrade and service provided. I'm a relatively new customer with upgrade, all of my payments have been pain on time and in full, I even qualified for a bonus program due to my outstanding history. As stated in the agreement the credit report relayed info to upgrade stating I was delinquent with a different account. This report was incorrect, disputed with the credit bureau and resolved because this account was actually paid off in full. Upgrade "permanently" suspended my upgrade card due to this issue and would not reactivate my account once discussed and proved this dispute was resolved and the credit report was incorrect. Instead upgrade advised this suspension was permanent and I would have to reapply for another upgrade card. I am trying to build my credit which was why I chose upgrade in the first place, I do not want another hard inquiry on my credit report for false information the credit bureau relayed to upgrade!!! I asked if they could reactivate my account instead and was told that was not an option. I do not recommend upgrade nor will I reapply for their service.
N
nicole
15 days ago
Lower your line even with perfect history
Approved me for a 5,000 credit line. My credit score has not changed and they continously "review" and lower your credit line the exact amount you have paid off. They've done this to me twice! Not an ideal situation for your credit score to constantly have a maxed out credit line when I've done nothing but make ON TIME payments for the entirety of my account being opened. DO NOT get a loan or refer a friend like they suggest. Awful company
D
deana
15 days ago
Easily applied and quickly reviewed and…
Easily applied and quickly reviewed and accepted
R
roy london
15 days ago
Change of payment date
The staff took their time to listen and advise
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chris tian
13 days ago
BEWARE! This company is super shady!
BEWARE connecting your bank I been paying on time never missed a payment and I got charged an additional charge I called and got into a discussion with the rep Makaila took me 45 to get transferred to the supervisor which was very rude as well and the next morning they withdrew a second payment after already having paid this month randomly after having the discussion. My payment is due only once a month!!! I let them know I was going to leave a review they hanged up on me too!! Not sure if this is even legal that they can charge your account multiple times without consent but I will be pursuing legal advice.
C
candice medlin
15 days ago
Very easy
Very easy, quick, and great customer service.
t
tim costas
15 days ago
Poor Service, Not Timely
Was not going to get the card when I was offered 500$ limit, but they insisted in the form of coming back around and offering me 1000$ limit. That was hard to turn down so I went for it, took forever to get approved, and took a huge hit on my credit report. All fine I guess. What IS NOT fine is that I have setup "early pay" in order to avoid interest. It is now 4 days past my early pay day of January 20th and funds have still not been with drawn from my bank. This is putting a strain on my finances, and it's personally very stressful.
S
silver quintero
15 days ago
Mal servicio, Bad service
Mal servicio, toma decisiones arbitrarias, los pagos que se realizan los actualizan tarde. Bad service, makes arbitrary decisions, updates payments made late.
C
cherylvuke
15 days ago
Online
Online, fast, and easy!
S
sandra
15 days ago
Highly recommend
It was a super easy and simple process. Overall great experience!
M
michael
15 days ago
Help when no one else would!
I appreciate them providing help when no one else would, they were kind and quick to help.
W
william rice
15 days ago
No Glitches - Solid Experience
There wasn't a glitch anywhere along the way. I know MFA/SSO can be a beast and everything just worked!!
J
joseph bertino jr
15 days ago
Great service and help with my account
Great service and help with my account
V
vince
15 days ago
The origination fee is criminal
The origination fee is criminal. Said fee was not on my original loan agreement and did not show up on documents until I had taken the loan. Additionally, I called to pay off a huge chunk and refinance the loan, but they declined. I would never use them again.
R
ricardo marquina
16 days ago
The information and how fast I got it…
The information and how fast I got it also how fast I was given options to solve my issues it really felt like the support team was looking out for me and my best interests
D
dianna
16 days ago
Very easy to complete application and…
Very easy to complete application and it is reviewed very quickly.
F
fatmata dabo
16 days ago
I have never missed a payment with…
I have never missed a payment with upgrade. I had a hard inquiry on my credit report and I received an email from upgrade that I can no longer use my card. Also even with me making all my payment on time it did not help my credit score. Upgrade does not help boost your credit just so you know before applying.
S
sd
16 days ago
Site wasn’t as user friendly as it…
Site wasn’t as user friendly as it should be.
M
matthew luongo
16 days ago
The process was very easy.
The process was very easy.
M
marvin brown
17 days ago
customer service fast, friendly and professional
customer service fast and efficent
M
mackenzi white
17 days ago
SCAM!!!! RUN!!
All the great reviews had to be paid reviewers because I did not have a good experience AT ALL!!! I didn’t want to set up direct deposit on this account because I thought it might be shady and lo and behold I have been proven correct!!!! I transferred $50 cash from another account. In 3 days I used to make purchases. NEVER got the $200 as advertised! Then…… I thought I’d transfer a higher amount of CASH from my direct deposit at another bank and now they say I have to wait 6 days for my money!!!!! 6 DAYS for CASH money to clear!!!!!!! No way!! I’ve had enough! In 6 days I will remove every cent and will not use it and will NOT recommend to anyone!!!! Just don’t do it! They are shady as can be. So glad I didn’t give them access to my direct deposits!!
C
candice taylor
17 days ago
Helping with back accounts and savings.
Helping with back accounts and savings.
J
joan harrell
17 days ago
The lady was very polite and friendly.
The lady was very polite and friendly.