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Credit cards often have high variable interest rates that increase at any time. This can make it hard to know the true cost of a project and predict when you'll be able to pay it off. When a specific project cost is mixed in with other living expenses it can become even more difficult to plan when it'll be paid off or even recognize when, or if, it has. With a personal loan through Upgrade, we eliminate those surprises. A personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.

Read more about the pros and cons of paying for unexpected expenses with a personal loan, credit card and more.

No, checking your rate won’t affect your credit score because we only perform a soft inquiry. Only you are able to see soft inquiries on your credit report.

Hard inquiries may impact your credit score and can be viewed by third parties.

Soft inquiry:

• Checking your rate to see what personal loan offers you may qualify for
• Accepting your offer

Hard inquiry:

• Funding your personal loan through Upgrade

You can make additional payments on your loan at any time without any prepayment fees.

Check out this blog article for more tips on how to make the most of your loan.

You can borrow between $1,000 and $50,000 with a personal loan through Upgrade for any purpose.

You should receive your money in your bank account within a day of clearing necessary verifications.