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Upgrade personal loans: APR, fees and requirements
What Upgrade publishes about its personal loans (7.74% to 35.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
Lender type
Online lender
APR range
7.74% to 35.99%
Loan amounts
$1,000 to $50,000
Repayment terms
24 to 84 months
Origination fee
1.85%-9.99%
Minimum credit score
Not published
Funding time
Funds sent within one (1) business day of clearing necessary verifications; may take up to 2 weeks if sent directly to third-party creditors
Availability
Certain loan offers may not be available in all states.
How the lender states its rates: “Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. ... Lowest rates require Autopay and paying off a portion of existing debt directly. (no 'as of' date shown)”
How the starting rate compares
The lowest advertised APR, 7.74%, ranks 14 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.