Get the money you need for unexpected expenses
- Get up to $50,000 with a low, fixed rate loan
- Affordable monthly payments
- No prepayment fees
- Fast funding
Checking your rate is free and won’t impact your credit score.
Cover an unexpected expense with a personal loan
Why get a personal loan for an unexpected expense?
Get low-interest financing so you can make things happen now, and pay for it in installments over time
Check your rate in minutes
Find out your rate and how much you qualify for in minutes with no obligation and no impact to your credit score.
Fast funding
You should receive your funds within a day of clearing verifications.
Cover unexpected expenses with a low, fixed monthly payment
Low interest rates with fixed terms so you know how much to budget each month and circle the date for when you’re debt free.
Personal loans that make life happen, or cover life's surprises
Get the money and relief you need to cover your big plans responsibly
Home Repairs
Whatever the problem, a personal loan can help you get your home back up and running fast.
Car Repairs
Get the car repairs you need with fixed-rate financing.
Funeral Expenses
Pay for funeral expenses now and pay back the loan in affordable payments over time.
It's quick and easy to apply for a personal loan online
Check your rate
Apply online in minutes and see your rate with no obligation or impact to your credit score.
Choose your personal loan
Review multiple loan options and decide which offer is best.
Fast funding
Accept your loan offer and you should get your money within a day of clearing necessary verifications.
Personal loans through Upgrade are flexible & customizable
Select an offer
Choose your monthly payment that won't ever change and fits your budget.
Fixed rate & term
Pick terms that fit your timeline.
A simple breakdown of a personal loan
Get to know the rates, fees, and your payback plan
If you're approved for a $10,000 loan with a 17.98% APR and 36-month term...
Your APR
The 17.98% APR includes:
- 14.32% yearly interest rate
- 5% one-time origination fee ($500)
Your money
You would get $9,500 deposited directly in your account
$10,000 - $500 = $9,500 Loan amount - Origination fee
Your payments
And, each month you would pay back $343.33 over 36 months
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Unexpected Expense Loan FAQs
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See if a personal loan is right for you.
Checking your rate won’t affect your credit score.
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