Disclaimer: Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners. Information on Upgrade’s bank partners can be found at https://www.upgrade.com/bank-partners/.

**Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Indeed, apply for Upgrade personal loan can be interesting for people with fair or bad credit.

Thus, this is an opportunity to consolidate debts or do whatever you want with your money. Below, check out the application criteria. Basically, you need:

Here’s how to proceed to apply on the website:

In fact, the entire process of applying for the Upgrade personal loan takes place on the official Upgrade website. So, you must access it and, in the top menu, click on “Personal Loans”.

Then, inform the desired amount, the reason for the loan, and click on “Check Your Rate”.

Next, you will have access to a form to inform your address, income, and your Social Security Number (SSN).

After entering this data, you will know if you can have these loans and what your APR will be instant. If approved, other documents will be requested to prove the information provided.

Basically, you need to have your annual income and SSN on hand. If you are going to apply for a joint account, you must provide the same data as your co-applicant.

Upgrade offers a mobile application service. Through it, you can apply for a loan on your smartphone.

In addition, the app provides an easy way to access other Upgrade services and manage your payments. So, to have access to this feature, download the Upgrade app from your mobile app store.

In fact, the loan application process is pretty much the same as described above.

Personify personal loan is known as a credit agency that serves everyone regardless of credit score. Indeed, maybe it’s that kind of service you’re just looking for.

If so, first, take a look at the table below. Here’s a comparison between Upgrade and Personify’s loan services:

Does the Personify personal loan sound interesting? So, check out our post below and learn more about this service:

Disclaimer: Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners. Information on Upgrade’s bank partners can be found at https://www.upgrade.com/bank-partners/.

**Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.