Upgrade, Inc.
4.5 
Category: Finance
Price: free
Age Rating: Everyone
Rating: 4.5
Available on: /
Updated on: May 16, 2026
Users can earn cash back rewards on eligible purchases made with Upgrade's card, providing an added incentive for responsible spending. This feature not only enhances the value of using the card but also encourages users to engage with their finances in a rewarding way.
With Upgrade, users benefit from competitive interest rates that are often lower than traditional credit cards. This feature ensures that borrowers can save money over time, making it easier to tackle debt and maintain a healthy credit score.
Upgrade includes a free credit monitoring service that helps users keep track of their credit scores and report changes. This proactive approach empowers users to make informed financial decisions and alerts them to any potential identity theft or fraud.
Upgrade offers customizable payment plans that allow users to tailor their repayment schedules based on their financial situations. This flexibility helps users manage their finances effectively while making larger purchases or consolidating debt without the stress of rigid terms.
Seamless integration with existing systems User-friendly interface for quick adoption Enhanced security features protect sensitive data Scalable solutions to grow with your business 24/7 customer support for immediate assistance 
Can be costly for users and businesses Risk of compatibility issues with existing systems Potential disruptions during installation and transition Learning curve for users adapting to new features The Upgrade app is designed to cater to a diverse range of financial needs, making it a versatile tool for users looking to manage their finances efficiently. Whether you are a young professional trying to build credit, a family planning for future expenses, or someone looking to consolidate debt, Upgrade provides tailored solutions for each scenario. Users can apply for personal loans, credit lines, and even credit monitoring services, all of which can be utilized for purposes such as home improvements, medical expenses, or even education costs. The app’s flexibility allows users to select the financial products that best align with their specific needs, making it suitable for various life stages and financial goals.
The user experience on the Upgrade app is designed to be intuitive and seamless. Upon opening the app, users are greeted with a clean and user-friendly interface that makes navigation straightforward. The application process for loans and credit lines is simplified, with step-by-step guidance and clear instructions. Users appreciate the transparency in terms of interest rates and repayment terms, which are clearly outlined before making any commitments. The app also features a robust dashboard that provides users with a comprehensive overview of their finances, including payment schedules and credit scores. Additionally, users report a high level of satisfaction with the customer service support, which is accessible through the app, ensuring that assistance is just a click away.
Upgrade adopts a transparent pricing model that appeals to users looking for no hidden fees. The app offers competitive interest rates that vary based on creditworthiness, ensuring that users can find loan options that fit their budget. There are no prepayment penalties, allowing users to pay off their loans early without incurring additional costs. Furthermore, Upgrade does not charge annual fees for its credit card services, making it an attractive option for those seeking a low-cost way to build credit. Overall, the pricing structure is designed to promote financial health, enabling users to manage their expenses without feeling burdened by excessive fees.
Upgrade frequently updates its app to enhance functionality and user experience, responding to user feedback and market changes. Recent updates have included improved loan application processes and enhanced security features, which reassure users about the safety of their personal information. The support section of the app is comprehensive, featuring FAQs, live chat options, and customer service contact information, ensuring that users have multiple avenues for assistance. Users have praised Upgrade for its quick response times and knowledgeable support staff, who are dedicated to resolving issues promptly. Overall, the commitment to regular updates and robust support creates a reliable environment for users navigating their financial journeys.
Security & Privacy Review
Google Play 
App Store 
Wish i could give 0 stars!! i Suggest you find another company to do this buisness with, upgrade is incompetent at communication, you can not get ahold of a person and the phone menu's are useless, i have been trying to ad my new bank account for 2 months, no luck, i add it, they disconnect it and then just send another automated email, just stay away from this company, unless you are fond of frustration...
So far not a good first experience. I got my loan the end of December. I paid 2 payments early and shouldnt have a payment due until March but they applied both payments to January. I called several times to get this fixed. Once they finally did, it said no payment due until March but it looks like they actually tried to charge me a third and fourth time instead of applying the extra payment already made so it shows I still owe!! I also have only gotten one statement.
Don't do it. Card seemed good at first in a pinch to pay off some debt. Once you start making payments, they will lower your credit limit time after time. I have auto pay set up and never missed a payment. I try to make little small purchases while I'm paying it off so I don't get hit for no activity. Furthermore it's not really a credit card. "The limit is not reported to credit bureau".... so they say
I have been an Upgrade customer, for only several weeks now. However I am finding their app, a great financial tool in many ways. From current credit, and checking account balances, to credit scores, everything is at your fingertips. The app is easy to navigate, and understand. Appears to be a great company, with excellent customer service, by phone as well. Highly recommended
It's amazing! It's a loan (that gives you cashback) credit card! You get a huge amount, gives you different amounts you prefer to withdraw & move to any checking account! It gives you your monthly payment option before conforming to make sure that's what you want! You get the funds the next business day or less. The app is amazing, I got an 8k amount to my SoFi bank to pay off all my credit cards & a other loan. Payments smooth for about 7 months now. Intrest isn't noticeable paid in full.
Review Source: Google Play store public user reviews.
Yes, Upgrade collects personal data necessary for providing its services, including your financial information, but it prioritizes user privacy and security in handling this data.
Upgrade does not offer a free trial, but many of its features can be accessed without a subscription, while certain premium services may require payment.
Yes, Upgrade requires an internet connection to access its features, including applying for loans and monitoring your credit score.
You can contact Upgrade support through the help section in the app or website, where you can find options for live chat, email support, or a feedback form.
You can manage or cancel your Upgrade subscription through your account settings in the app or website, where you will find options for subscription management.
You can reach Customer Service by calling the number provided in the app or visiting the official Upgrade website for chat support.
To activate your account, follow the link sent to your email during registration and complete the setup process as instructed.
Your Customer Number can usually be found in your account settings or profile section within the app.
Ensure you’re using the correct credentials, and if issues persist, use the "Forgot Password" feature to reset your password.
We're constantly improving our app and working on the next exciting features!
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