Last Updated: 05/27/2025
Upgrade Card Personal Credit Line
Claimed
in Personal Lines of Credit from Upgrade Inc
Last Updated: 05/27/2025
SuperMoney User Recommendation Score +54
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Upgrade Card Personal Credit Line Review
Upgrade Card Personal Credit Line FAQ
What APRs does Upgrade Card Personal Credit Line offer?
Does the Upgrade Card Personal Credit Line charge an origination fee?
Does the Upgrade Card Personal Credit Line charge a cash advance 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?
| Cash Advance Fee | N/A |
| Origination Fee | 0% |
| Prepayment Fee? | No |
| Late Payment Fee | $0 |
| Statement Balance Fee | No |
| Billing Cycle Charge | 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.- Applicants must have an active and valid personal checking account
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
Does Upgrade Card Personal Credit Line report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Upgrade Inc perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Upgrade allows you to check your rate with a soft pull that has no impact to your credit score.How does Upgrade Card Personal Credit Line compare to other personal lines of credit?
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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.
Upgrade Card Personal Credit Line Disclosure: Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $25,000. The lowest rates require Autopay and the majority of the line amounts will be $15,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. Optional ACH transfers to your bank account, balance transfers, ATM withdrawals (if available), and foreign transactions are subject to applicable fees that, if incurred, will increase your finance charge and APR. Late fees and insufficient funds fees may apply. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to an approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.
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