
Upgrade Card Personal Credit Line
in Personal Lines of Credit from Upgrade Inc.
Would you recommend Upgrade Card Personal Credit Line to your friends?
Community Rating | Strongly recommended |
Loan Amount | $500 - $50,000 |
APR (Fixed APR) | 8.99% - 29.99% |
Number of Reviews | 13 |
Upgrade Card Personal Credit Line Review
Upgrade Card Personal Credit Line is offered by Upgrade Inc., a marketplace lending platform founded in 2016 and based in San Francisco, CA. Upgrade Card Personal Credit Line is available in 47 states across the USA.
What APRs does Upgrade Card Personal Credit Line offer?
Upgrade Card Personal Credit Line offers a product that ranges from 8.99% APR up to 29.99% APR. Rate is quoted with autopay discount*.
Does the Upgrade Card Personal Credit Line charge an origination fee?
No, Upgrade Card Personal Credit Line does not charge an origination fee.
An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.
Does the Upgrade Card Personal Credit Line charge a cash advance fee?
No, Upgrade Card Personal Credit Line doesn't charge a cash advance fee. Some lenders charge a cash advance fee every time borrowers withdraw cash from their line of credit. Typically, fees range from 0.5% to 10% of the amount withdrawn.
Does the Upgrade Card Personal Credit Line charge a statement balance fee?
Does Upgrade Card Personal Credit Line charge a late fee?
No, Upgrade Card Personal Credit Line will not charge you a late fee of up to $0 .How much can you borrow via Upgrade Card Personal Credit Line?
Upon approval and based on your credit worthiness, your Upgrade Card Personal Credit Line personal line of credit will be assigned a credit limit of at least $500 and as much as $50,000. .
Cash Advance Fee | N/A |
Origination Fee | 0% |
Prepayment Fee? | No |
Late Payment Fee | $0 |
Statement Balance Fee | No |
What do you need to qualify for Upgrade Card Personal Credit Line?
Applicants with a credit score of at least 600 and up to 850 may be eligible for Upgrade Card Personal Credit Line. The minimum age to be eligible is 18 or the state minimum, whichever is higher.Upgrade Card Personal Credit Line does not have or does not disclose a minimum annual income eligibility requirement. Upgrade Card Personal Credit Line only considers borrowers who are employed.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Upgrade Card Personal Credit Line. Their rates fall within the limits of The Military Lending Act.
U.S. citizens are, of course, eligible for the services offered by Upgrade Card Personal Credit Line. Permanent resident / green card holders are also eligible to apply.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Proof of income
- Driver's license
- Proof of identity
- Proof of citizenship or residence permit
Does Upgrade Card Personal Credit Line report your account activity to credit bureaus?
Yes, Upgrade Card Personal Credit Line reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How does Upgrade Card Personal Credit Line compare to other personal lines of credit?
Pros | Cons |
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How to apply for Upgrade Card Personal Credit Line
- Visit the Upgrade Card Personal Credit Line website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
Contact
- Headquarters
-
275 Battery Street
San Francisco, CA 94104 - Visit Site
Other Services by Upgrade Inc.
Message From Upgrade Inc.
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Wyoming
Feature Breakdown
Annual Fee | $0 |
Late Fee Amount | $0 |
No Origination Fee | |
No Prepayment Fee | |
Origination Fee (%) | 0% |
No Late Fees |
Upgrade Card Personal Credit Line Community Reviews
Would you recommend Upgrade Card Personal Credit Line to your friends?
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