Upgrade review — rated 4.5/5 from 13,620 reviews. Best for personal loans and all-in-one credit tools.
Personal loans, a cash rewards card, and credit tools in one app. Upgrade is offered by Upgrade, Inc. and currently holds an average rating of 4.5 out of 5 across 13,620 user reviews. It falls into the Credit & Loans category and tends to be the strongest fit for personal loans and all-in-one credit tools.
Editorial grade: A (composite score 88/100).
Monthly fee: 1.85%–9.99% origination. Minimum to open: $0. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). We install the app on a personal device, link real bank accounts, and track whether it measurably improves behavior over a 30-day window. For this review of Upgrade, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Credit & Loans shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.