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Upgrade Review

Get more value with a better banking experience

Reviews 37,038

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Michael Graw
Michael Graw
Nov. 28, 20224 min read

Upgrade - Premier Savings summary

Upgrade is a San Francisco-based fintech company founded in 2017. It offers checking and savings accounts, credit cards, and personal loans. The Upgrade - Rewards Checking account offers 2% cash back on certain everyday purchases made with your debit card up to $500 per year, plus 1% cash back on all other purchases. The Upgrade - Premier Savings account offers 3.50% APY interest on balances of $1,000 or more and no monthly account fee.

Pros

  • No account or ATM fees for Rewards Checking
  • Up to 2% cash back on debit card purchases
  • Earn 3.50% APY on balances of $1,000 or more with Premier Savings

Cons

  • Does not accept cash deposits
  • Limited online accounting dashboard
Upgrade - Premier Savingsat a glance
4.6

Editorial score

Fees?

No fees

5.0

Security

FDIC insured and SSL encrypted accounts

5.0

Customer service

FDIC insured and SSL encrypted accounts

4.0

Online experience

User-friendly website with bill pay center, transaction tagging, and more

4.0

Mobile experience

iOS and Android, includes transaction history, online transfers, bill pay center, and mobile check deposit

5.0

Upgrade - Premier Savings Upgrade - Premier Savings Visit Upgrade

Advantages Over Traditional Banks

Upgrade offers checking and savings accounts with above-average benefits.

The Upgrade - Rewards Checking account is completely fee-free and there’s no minimum deposit required to open an account. You won’t pay monthly account fees, ATM fees, transfer fees, or even overdraft fees.

In addition, the Upgrade - Rewards Checking account offers cash back on every purchase you make using your Visa debit card. You’ll receive 2% cash back on purchases made at convenience stores, drug stores, gas stations, and restaurants. You’ll also get 2% cash back for many monthly subscriptions and utilities.

The 2% cash back offer is limited to $500 per year in certain categories, after which you’ll receive 1% cash back. All other purchases also receive 1% cash back. 

Another benefit of the Rewards Checking account is that existing account holders can receive a discount of up to 20% on the interest rate for a new personal loan or credit card through Upgrade.

The Premier Savings account offers interest of 3.50% APY on savings balances of $1,000 or more. That’s more than 16 times the national average interest rate for savings accounts. Balances under $1,000 do not earn interest. 

There is no minimum deposit required to open a Premier Savings account. There are also no monthly account fees, overdraft fees, or transfer fees. Transfers of $100,000 or less are completed the same day that you initiate them.

Cutting-Edge Banking Services

Upgrade offers a browser-based dashboard as well as mobile apps for iOS and Android to manage your checking and savings accounts. The online dashboard enables you to tag transactions, initiate transfers, and automatically pay your bills online. 

 Another helpful feature in the dashboard is that you can review your full transaction history for either your checking or savings account. You can also set up alerts for new transactions or incoming transfers. 

Upgrade also has an online credit monitoring and education center. You can monitor your credit score for free and get weekly updates on any changes. You can also sign up for email alerts to find out if your score is changing and quickly identify potential fraud.

Traditional Banking Services

Upgrade offers personal loans and credit cards in addition to the Rewards Checking and Premier Savings accounts. The company’s six credit cards are all free of annual fees and offer up to 3% cash back on select purchases. One credit card offers unlimited 1.5% cash back in Bitcoin on every purchase. 

Importantly, Upgrade does not have any physical branches or in-network ATMs. Upgrade does not charge ATM fees, but you may be charged a fee by the bank that owns any ATM you use. 

Upgrade will refund up to five ATM charges per month. To qualify for a refund, you must have an average daily balance of at least $2,500 in your checking account, receive direct deposits totaling at least $1,000, or make at least eight debit card purchases during the prior month.

Interest Rates and Fees

TheUpgrade - Premier Savings account offers 3.50% APY interest on balances of $1,000 or more. Balances under $1,000 do not receive interest.  

The Upgrade - Premier Savings account  doesn’t require a minimum account balance. There are no monthly fees, overdraft fees, or transfer fees. 

The Upgrade - Rewards Checking account offers cash back on debit card purchases. You’ll earn 2% cash back up to $500 per year on purchases from convenience stores, drug stores, gas stations, and restaurants, as well as subscriptions, and utility purchases. You’ll earn 1% cash back on all other purchases. 

The Upgrade - Rewards Checking account doesn’t require a minimum account balance and doesn’t charge any monthly fees. There are also no ATM, transfer, or overdraft fees.

AccountInterest/RewardsAccount FeeMinimum BalanceATM FeeOverdraft Fee
Rewards Checking
Up to 2% cash back on common everyday expenses
None
None
None
None
Premier Savings
3.50% APY on balances of $1,000 or more
None
None
None
None

Customer Service and Online Experience

Upgrade offers customer support by phone and email. You can get in touch from 6AM-6PM (PT) Monday-Friday and from 6AM-5PM Saturday-Sunday. There’s also a detailed online knowledge base where you can find out more about how to use your Rewards Checking dashboard and Upgrade’s other products.

 Upgrade’s online dashboard is easy to use. You can see a list of all your transactions and tag them for organization. You can also see your current cash back balance and view your transaction history for your checking and savings accounts.. A bill pay center enables you to set up automatic payments for utilities, credit cards, loans, and other recurring bills.

 Upgrade has a 4.7-star rating on Trustpilot, with more than 25,000 reviews, and an A+ rating with the Better Business Bureau.

Mobile App

Upgrade has a free mobile app for iOS and Android devices. The mobile app offers much of the same functionality of the online dashboard, including the ability to track transactions and set up automatic bill pay. You can also lock your debit card if it’s ever lost or stolen.

The Upgrade Visa debit card is compatible with both Google Pay and Apple Pay.

 Security

Upgrade secures your account with SSL and 256-bit AES encryption. Both the Rewards Checking and Premier Savings accounts are FDIC-insured through Cross River Bank for up to $250,000. You can also sign up for credit monitoring and email alerts through Upgrade to quickly detect potential fraud in your account.

 Summary

Upgrade is a financial technology company that offers checking and savings accounts, personal loans, and annual fee-free cards. The Upgrade - Rewards Checking account offers up to 2% cash back on everyday purchases up to $500 per year and 1% cash back on all other purchases. The Upgrade - Premier Savings account offers 3.50% APY interest on balances of $1,000 or more. Neither account has monthly fees, transfer fees, ATM fees, or overdraft fees, and you’re not required to keep a minimum balance in your accounts. You can manage your transactions through an online dashboard or the Upgrade mobile app for iOS and Android.

Methodology

This review was created using information from the Upgrade website, Trustpilot, and the Better Business Bureau.

Upgrade - Premier Savings Upgrade - Premier Savings Visit Upgrade

Disclaimer

Upgrade is a financial technology company, not a bank. Rewards Checking services provided by Cross River Bank, Member FDIC. Upgrade VISA ® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Upgrade - Premier Savings
Upgrade - Premier Savings
ExcellentReviews 37,038
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Trustpilot reviews

See what some costumers are saying about Upgrade - Premier Savings
Upgrade - Premier Savings
ExcellentReviews 37,038
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Excellent
82%
Great
11%
Average
3%
Poor
1%
Bad
3%
  • author
    Sharon Ehler
    7 hours ago
    Great service and fast receipt of loan…

    Great service and fast receipt of loan monies

    ...

  • author
    Batsukh Barker
    9 hours ago
    I really liked the Upgrade card…

    I really liked the Upgrade card application. It was so simple, easy and fast. The service solved my financial problem. I will suggest recommend to someone who needs financial support.

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  • author
    Keith Gracey
    12 hours ago
    I just opened my account and am finding…

    I just opened my account and am finding my way around the site. More news at 11.

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  • author
    Queen Dyha
    12 hours ago
    The experience was amazing and very…

    The experience was amazing and very easy to go through I love the app and the bank

    ...

  • author
    Melanie Edwards
    16 hours ago
    Very easy quick responses!!!

    Very easy quick responses!!!! No hassle application. Approval in minutes.

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  • author
    Gary Vann
    17 hours ago
    Interest rate is a bit too high.

    Interest rate is a bit too high.

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  • author
    Lexy Robles
    18 hours ago
    Quick response when applying.

    Quick response when applying.

    ...

  • author
    Dan Davis
    18 hours ago
    Quick acting

    Quick acting. Simplified applications. Keeps me informed of the status of the transactions.

    ...

  • author
    Socorro Guzman
    18 hours ago
    Good good

    Everything good love it just got done with it

    ...

  • author
    REGINA DENDY
    18 hours ago
    Always sending updates

    Always sending updates

    ...

  • author
    Frances Nesbitt-Hogue
    18 hours ago
    Everything was so easy and extremely…

    Everything was so easy and extremely efficient. Also, it took no time at all to receive an update on the status of my application. The money was in my bank account so quickly, I thought I had dreamed it! I love doing business with Upgrade and anticipate a long and pleasant relationship. Thanks so much!

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  • author
    David Glidden
    18 hours ago
    No mobile check deposit was a big…

    No mobile check deposit was a big disappointment as that is a must for me.

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  • author
    PDiaz
    19 hours ago
    Loan application made easy

    The process was just as easy as promised. It took a matter of minutes for Upgrade to approve a loan. The money was in my account within 48 hours.

    ...

  • author
    LadyTessa
    19 hours ago
    Unique & favorable banking experiences!

    The application process & opening my new Upgrade checking & High-Yield savings accounts was seamless! I didn’t have any difficulties with submitting my required documents online & received an email notification that my accounts were opened, which only took a reasonably short amount of time. I’m absolutely impressed!

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  • author
    ROBERT
    19 hours ago
    Quick and easy

    Quick and easy. They are are very transparent with how they work and I have had no Issues with upgrade.

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  • author
    Martin Stephens
    20 hours ago
    All was nice and easy and quick.

    All was nice and easy and quick.

    ...

  • author
    Don Smith
    20 hours ago
    Nice

    Nice, quick, friendly, and knowledgeable

    ...

  • author
    Julian M
    20 hours ago
    Easy to work with and fast

    Easy to work with and fast

    ...

  • author
    Kristin Cherry
    20 hours ago
    It was quick and easy

    It was quick and easy. Low percentage rate !

    ...

  • author
    jason
    20 hours ago
    easy to apply, difficult to understand where im at in the process

    easy to apply. my file is showing in review for over 5 days after i submitted 2 years of w2's. i wasn't told how long the review process typically is. at the same time , it shows my card is on its way. im assuming this is my bank card and not the line of credit but the website doesn't say. also it gives me a place to click on "activate my card" but it just spins a wheel on the website and stays on the page where it says the card is in review. It's all confusing.

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  • author
    ANTHONY LEE
    21 hours ago
    Great customer service and quick answer…

    Great customer service and quick answer when I applied

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  • author
    David Wright
    21 hours ago
    Very professional quick and simple

    Very professional quick and simple. Will be doing business with them again.

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  • author
    Larry Russell
    21 hours ago
    good, and not so good

    well, I had a little bit of problem getting logged into the app, but I finally got it figured out and after that things went smooth and I’ve got my information entered and seems to be all good I was concerned with one thing is when I got the invitation, and the odds of approval were outstanding and they said that there would be no effect on my credit report and then I got a letter from my credit report saying you did a hard hit on my credit and the kind upset me, still actually pretty upset about it

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  • author
    Dakota Mylet
    21 hours ago
    I like everything so far minus all the emails

    I like everything so far. I've had a loan for a while now. Just got the checking account. I will say I get way to many emails about promotions and stuff! I dont want a credit card. But seems like I get emails almost everyday!

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  • author
    Robert Garner
    21 hours ago
    It was a little confusing downloading…

    It was a little confusing downloading the documents, however I finally managed it.

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  • author
    Elizabeth Clarke
    21 hours ago
    No debit card has arrived

    No debit card has arrived, and my deposits are not showing I’m very concerned.

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  • author
    Casey
    21 hours ago
    Probably should not have asked me how I feel about upgrade rewards checking

    Probably should not have asked me how I feel about Upgrade checking. I wish I could choose all options for reason I am unsatisfied because all are true. I guess I will choose not resolved because it is not, and I don't know if it will be with the way business is done at Upgrade checking. Flat out it is the worse experience I have ever had with any financial institution hands down. I am almost 40 years old and have never in my life done business with such a worthless company. Literally no less then 80% of the time I could not access my funds by any means at all. My card would always decline weather I was using to purchase as point of sale or using an ATM. I could not transfer my funds online using the app or the website. I could not call the bank and transfer funds that way, was "against policy" I was told (not to mention, NO BANK TO DRIVE TO). And when I would attempt to access my funds using wire transfer, as they told me I would have to use, they email you a piece of paper to fill out and email back but told me a signature would not be required even though there was a place on the form for it. What kind of financial institution will tell you that you do not have to sigh a transfer form. I signed and dated it and kept a copy, delt with enough issues and I'm guessing if it was not signed, they would have just rejected it. That is if you even receive the form when they tell you "It has been sent". A total of probably five conversations later between email and phone I'm still not sure I have received or even will receive my money. When card declines guess what, once again another waste of time to call Upgrade to see what the issue is just to be told "I don't see an issue on our end, it must be with the fraud department", "let me get you transferred over there". Just to be told from the fraud department that "I have provided the incorrect information on the account, I can't and won't help you". Then to be told "I need to call the main branch again" and hang up on me. Like I don't know my own zip code, not to mention I just provided all necessary information to the main branch to even be able to be transferred to the fraud department. Just to have to do it all over again, and finally when the fraud department decides to clean their ears and listen to hear the correct information, I get told "we are not seeing any issues in the fraud department either". I guess I'm just dreaming when I have to stand in line at the store and have to deal with the most embarrassing thing ever, my card declining once again. I don't care for people looking at me like I'm some broke bum when I am in the store trying to pay and can't. Quite frankly it pisses me off. Simply put, Upgrade checking is without a doubt, hands down the worst banking experience I have ever had. I still don't have any access to my money, and it seems very clear nobody at this joke of a bank cares or wants to really help. I hope this review gets out for the public to see and people know what they are actually getting themselves into by signing up to do business with upgrade checking. People I know ask me at times my opinion of the banks I do business with (currently three different banks) and I will be sure to tell them to steer clear of upgrade checking. I think the worst part is, I have done business with all three branches of the company Upgrade (personal loan, ready line of credit and rewards checking) and have nothing but good things to say about the loan and credit departments of Upgrade but am treated so poorly by the checking branch that I will be resolving any credit balances I have and will close those accounts as well. Good job Upgrade Rewards Checking, you have single handedly ruined the entire experience with the company. The only thing I have left to say is GIVE ME MY MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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  • author
    NANETTE LANGENDERFER
    a day ago
    Fast and easy process

    Fast and easy process. A great experience!

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  • author
    JASON BYRNES
    a day ago
    The app is solid and the overall…

    The app is solid and the overall experience is as well. Just would like it to be easier to add my wife to the account.

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  • author
    DIANE JOFFRION
    a day ago
    The process was easy to understand and…

    The process was easy to understand and I was helped quickly.

    ...

  • author
    JAMES SCUDDER
    a day ago
    everyone there is easy to work with and…

    Everyone there is easy to work with and talk to

    ...

  • author
    Alton P
    a day ago
    The loan process was easy

    The loan process was easy, approval quick, and monies transferred as quickly as possible. Thank you for helping me to fix up my home for the holidays.

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  • author
    Debbie S
    a day ago
    A quick response on the loan

    A quick response on the loan. Paperwork was easy to understand. Received Fund quickly.

    ...

  • author
    meecerx13
    a day ago
    I’ve been with this company for about…

    I’ve been with this company for about two years and they are top notch!

    ...

  • author
    Brandon Babin
    a day ago
    Quick and easy

    Quick and easy, just how it needs to be.

    ...

  • author
    Angela Williams
    a day ago
    It was easier to do the first loan

    It was easier to do the first loan. This time I was asked to upload many personal documents that I was not comfortable doing.

    ...

  • author
    Monica B.
    a day ago
    Straightforward process, simple application and approval!

    Straightforward process, simple application and approval! Upgrade provided me peace of mind when I had unexpected college expenses for my son. I very much appreciate the help that Upgrade provided!

    ...

  • author
    StevenThompson
    a day ago
    Fast and easy application and approval

    Fast and easy application and approval

    ...

  • author
    Jose Barreto
    a day ago
    Good

    Very good attention a good customer service on my needs.........................................

    ...

  • author
    ANDREA MEYER
    a day ago
    GOOD EXPERIENCE

    GOOD EXPERIENCE

    ...

  • author
    Desiree White
    a day ago
    Great Company

    Great Experience so far

    ...

  • author
    Lee
    2 days ago
    Great Service

    Great Service. Great Experience applying. Great Follow up.

    ...

  • author
    DIRON THOMPSON
    2 days ago
    Overall experience is awesome

    Overall experience is awesome

    ...

  • author
    The Journey
    2 days ago
    Best Help

    Actually getting cash back. Normally with things like this it's just a scam. And easy to earn some cash

    ...

  • author
    EDWARD KENNARD
    2 days ago
    Very fast response

    Very fast response

    ...

  • author
    Pierre Mark
    2 days ago
    Social Security disability insurance payment

    I get SSDI payments that is Social Security disability insurance because I am a disabled American veteran this month in December. They said they received a payment for less than one dollar that I normally get. They suspended my account so I called the Social Security office. They told me they have not sent it yet. They said it will come on December 2 right probably around 2 AM Eastern standard time now I’ve contacted them about the suspended account called me wait for an update an email that was unacceptable so I called Cross River Bank. They are now starting their own is mastication to see why I didn’t receive my disability money so I called the Social Security office again and they filed an investigation with the US treasury department and that will take 5 to 10 business days. Well it’s already been over five business days for Upgrade to do their investigation and they still haven’t sent an email every time I called them their customer service says we can’t give you any information yet because your account is suspended and wait for that email very rudely. I am very unhappy with Upgrade . Not necessarily Cross River Bank Cross River Bank said they didn’t see any money coming in now. This has never happened to me before when I sent my money to any other banks except GreenDot file 17 disputes with them, but they did not allow one of them to go through. Last month somebody stole from my account well 1389 to be exact. So I found a dispute and they told me that dispute. They didn’t see anything wrong with it and they allow that money to be taken away to somebody in New Jersey. I’ve never been to New Jersey in my life I’m very upset with their performance, their customer service, and they won’t allow me to withdraw more than $1000 because they don’t control the decision that comes from visa because they haven’t been certified as a viable freaking institution yet. And this ruined my chance because I had to give Midway international Airport $1000 to be with my fiancé. Who is the highest paid female actress in Hollywood now she’s pissed at me she won’t even talk to me or even message me so I basically lost a beautiful loving woman over this situation, and if you guys don’t know who that is, it is Charlize Theron. She just put a movie out on Netflix called the school for good and evil. She’s been in the last two or three fast and furious movies. She’s been in mad max. She got an Oscar nomination for her role in the movie called monster very good , I suggest watching it but I am very upset that they cost my relationship now I’m stuck in this godforsaken town of Chicago, Illinois Audi of hustlers, thieves and liars. I can’t wait to get my next disability payment. I’m getting the first train or plane the hell out of the Midwest and back down south or east maybe California who knows

    ...

  • author
    Erica barrett
    2 days ago
    Quick approval & immediate card use.

    Quick approval & immediate card use.

    ...

  • author
    Bridgette James
    2 days ago
    The app is extremely easy to do

    The app is extremely easy to do. There was not a lot of extra stuff that I had to do. All I did was answer all questions and got my sections instantly.

    ...

  • author
    Jennifer
    2 days ago
    1st review

    Very friendly people in customer support

    ...

  • author
    donald
    2 days ago
    Great

    The rep was really helpful

    ...

  • author
    Leanne Griffis
    2 days ago
    Upgrade was a super user friendly site…

    Upgrade was a super user friendly site and offers many options to fit your needs! I would highly recommend this company!

    ...

  • author
    Christine H
    2 days ago
    Customer service leaves a lot to be…

    Customer service leaves a lot to be desired. Very rude representatives that have no compassion for the elderly with hearing and speech problems and straight up just don't want to do their jobs!

    ...

  • author
    Brittany Funderburke
    2 days ago
    Don’t waste your time with this bank

    Don’t waste your time with this bank! I wish I wouldn’t have! I have been trying for almost a month now to change my phone number on MY account so that I can get into my account and have spoke to 2 people on the phone and emailed 2 people and sent old and new number, my birthday, my social security number, my email address, my account number, a picture emailed in with my account number in the picture and was told it would be updated so I can finally get into my account and now I have an email asking for my phone bill! It shouldn’t be this hard to change a phone number and get into your own account! I can’t wait to get this over with and get what money I have in there out so I can leave this bank! Worst ever!

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  • author
    Deana from AC
    2 days ago
    false agreement

    i was approved then i was turned down,

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  • author
    Brenda B
    2 days ago
    Thank upgrade

    Just fill out a few line about my self and the loan was approve as 1,2,3

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  • author
    Jeffrey Daniels
    2 days ago
    My experience opening an account with Upgrade

    Took forever it seemed like to open a checking account. So much verification and requests of tax forms, like I was applying for a loan.

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  • author
    JING ZHU
    2 days ago
    Tried to take money out of savings…

    Tried to take money out of savings account and it took me two weeks through multiple attempts of ACH and wire transfer. Every time the bank came up with a different reason why I couldn’t do it. This is not the way to do business.

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  • author
    John Kittila
    2 days ago
    Great

    Great!!!!!!!!!!!¡!!!¡!!!!!!!!!!!!!!!!!!¡!!!!!!!!!!¡

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  • author
    Marcus Moore
    2 days ago
    Outstanding Customer service and support

    Communication was great as far as keeping me informed with my account status and what I was eligible for.

    ...

  • author
    Alcibiades Saenz
    2 days ago
    Rapidez y Transparencia.

    Cumplen lo que ofrecen sin mucha burocracia. Transparencia en los acuerdos. Servicio profesional.

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  • author
    TERESA MARIA
    2 days ago
    I appreciate the verification the value…

    I appreciate the verification the value and professionalism that upgrade has and how they made it a smooth transition to do business with them. Thank you all and Happy Holidays

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  • author
    BOBBY BAEZ
    2 days ago
    Upgrade is totally awesome

    Upgrade is totally awesome, decisions is giving right away, the money that I qualify for has been extremely totally helpful in time of need , especially also during the holidays , hopefully next offer can be way more, thank you so much for helping and being there.

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  • author
    Ron Leversee
    2 days ago
    Everything is working well

    Everything is working well. Just as advertised. Thanks.

    ...

  • author
    Tammy DeBlaay
    2 days ago
    Easiest loan I've ever got!

    This loan was the quickest and easiest I've ever got. Everything was done online, I never spoke to anyone. I uploaded the documents requested and the next day my funds were in the bank, just like that, 2 day process!! I highly recommend using Upgrade! Also the interest isn't that bad.

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  • author
    Armando
    2 days ago
    A trustable financial institution.

    I had a credit line already stablished with one card but wanted to have a solid financial base by having a second card ( credit line ), so i applied for a second upgrade card, and they gave me the opportunity to have the second, with no hesitation. Thanks Upgrade for giving opportunities to people who really need one. Thanks.

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  • author
    Felicita Rivera
    2 days ago
    It was Helpful and easy to use

    It was Helpful and easy to use. Also available to speak 24/7 when help is needed. I would recommend upgrade to others.

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  • author
    Mark B
    2 days ago
    Worst experience ever. Do not use.

    I have had the worst experience with upgrade. I signed up for a line of credit card and it said I was approved. Then it asked if I wanted to sign up for a checking acct which I did. When I did this my credit was frozen because it’s just a checking account and never said it wouldn’t complete without. I call for assistance and the rep said wait 24 hrs and try again. That was a lie. I called back and the rep said he can fix and created a new email which I don’t own to overtake my line of credit account so I can retake the checking application. I then sign back up for checking but now I can’t see line of credit. I call and this is where I find out the agent edited my first email to something I don’t Own and can’t access. Now they ask for multiple emails but cannot link the two and now everything is messed up. It seems like a scam or a bad startup try somewhere else. They lied to me several times before an agent just told me the truth and said they can’t help and apologized for what I experienced and suggested closing account was best

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  • author
    Cleshe C
    2 days ago
    Awesome lender quick and easy process:)

    Awesome lender quick and easy process:)

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  • author
    SERINA PRUIETT
    2 days ago
    Confused with how this works and wants…

    Confused with how this works and wants more info.

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  • author
    Jose Silva
    2 days ago
    Like process was fast and easy.

    Like process was fast and easy. Dislike only one loan option higher APR

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  • author
    Jeff Shelton
    2 days ago
    Very easy to apply fast and friendly

    Very easy to apply fast and friendly

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  • author
    Jill W.
    2 days ago
    Quick and Easy Process!

    Being a divorced, single mom of 3 kids (one in college and one going next year), I really appreciate the easy approval process with Upgrade. I have had a hard time getting credit and making ends meet with 3 teenagers. Upgrade gave me the opportunity to pay for some critical expenses and pay off some bills.

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  • author
    JOHN MANN
    2 days ago
    To all who may be considering move to…

    To all who may be considering a move to the Upgrade companies. Do yourself a favor and join the Upgrade family of financial consultaints. I was not certain at first, but they have been astounding. They are truly unlike other financial card companies. They have been prompt, helpful, and thorough, in developing a loan, packaged to my needs, as well as a credit card that is built for your future needs. A great interest rate is only the beginning. Truly a new way to conduct financial options..

    ...

  • author
    Lesley Wright
    2 days ago
    Easy to apply for anything you need

    Easy to apply for anything you need, also you get free credit scores.

    ...

  • author
    Randall Oliver
    2 days ago
    Help needed/Help received Any time I need help or don’t…

    Any time I need help or don’t understand a thing I’m trying to do, I can call and know I will get prompt courteous service person on the phone and not be put on hold for an hour or more. I’m slowly working my way to use Upgrade exclusively!

    ...

  • author
    Hillary Haldiman
    2 days ago
    No pressure or outlandish requests from…

    No pressure or outlandish requests from you guys. I applied for the credit card and I got it! Just like that! I am a continuing customer of Upgrade so I hope you gave me credit for that. It’s great to be recognized.

    ...

  • author
    David Frampton
    2 days ago
    no one has contacted except to ask for…

    no one has contacted except to ask for these reviews

    ...

  • author
    DONALD RIZZO
    2 days ago
    Friendly

    It was easy and friendly

    ...

  • author
    AMY V
    2 days ago
    Very thankful

    Upgrade gave me a line of credit when no one else would. I appreciate them taking into consideration my 100% on time payment history and giving me the opportunity to build my credit.

    ...

  • author
    Henry Chango
    2 days ago
    Excellent Rates

    Good Rates and easy to connect with a representatives who are very professional and helpful.

    ...

  • author
    Rhonda Williams
    2 days ago
    Excellent

    The option to pay later

    ...

  • author
    Lee Ann Post
    2 days ago
    Easy to use and great locations where…

    Easy to use and great locations where ever I am at the time.

    ...

  • author
    Robert leidy
    2 days ago
    The process was very simple and…

    The process was very simple and painless just having a little problem linking to my bank acct.

    ...

  • author
    Raymond Sullivan
    2 days ago
    Awesome

    Easy, fast, small application process

    ...

  • author
    Myrtis M Allotey
    2 days ago
    The process was quick and friendly.

    The process was quick and friendly. When I had a problem on the website the representative was very helpful and patient.

    ...

  • author
    Angie
    2 days ago
    I spoke to two different…

    I spoke to two different representatives in Customer Service when calling about my personal loan. I was impressed with both of them: they were professional, helpful, and patient. The only area I felt wasn't clear was the website. I uploaded the required documents and didn't see on the website that I had to call before my loan could be approved. It showed it was under review, but only found a call was needed when an Upgrade agent contacted me. I wish the website would have shown clearly that action was required on my part, and I needed to call.

    ...

  • author
    Anthony Colletti
    2 days ago
    Denied no help

    Denied no help, said I had been pre approved but then denied me after going through the process.

    ...

  • author
    Robert Neal Bradwell Jr
    2 days ago
    Very good customer service answered all…

    Very good customer service answered all my questions.

    ...

  • author
    Roberto Garcia
    3 days ago
    Very good financial solid company

    Very good financial solid company Strongly recommend it

    ...

  • author
    John Givens
    3 days ago
    It takes a few days to get it done takes a little time but…

    It takes a few days to get it done but once they said I was approved money was in the bank

    ...

  • author
    Shelly Williamson
    3 days ago
    Helpful and very easy to apply as well…

    Helpful and very easy to apply as well as payment plans are seamless!

    ...

  • author
    Juanita Jimenez
    3 days ago
    Being able to have funds available with…

    Being able to have funds available with a 3-4 day span

    ...

  • author
    Phylis Bina
    3 days ago
    So far I’m elated with my new Upgrade…

    So far I’m elated with my new Upgrade checking acct and my Upgrade credit card. I referred my husband and we both got out $100 referral bonuses really quick! I wish all my friends would join upgrade! As long as things run this smoothly I’m planning to move my savings over from Cap One!

    ...

  • author
    Judith Palacios
    3 days ago
    Thank you Upgrade for your help I will…T

    Thank you Upgrade for your help I will always came back to you guys for your help

    ...

  • author
    Luke Blankenship
    3 days ago
    Fast and easy

    Fast and easy

    ...

  • author
    David Dossman
    3 days ago
    I couldn’t get the mobile app loaded

    I couldn’t get the mobile app loaded

    ...

  • author
    Garbayo, Humberto
    3 days ago
    Great and fast service

    Great and fast service

    ...

  • author
    OTISHA THOMAS
    3 days ago
    speedy service

    speedy service

    ...

  • author
    Mee Her
    3 days ago
    Very quick n very friendly

    Very quick n very friendly

    ...

  • author
    Customer
    3 days ago
    I’m happy with the customer service and…

    I’m happy with the customer service and the easy terms.

    ...

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