Is Upgrade Card Personal Credit Line the right fit for you?
Last Updated: 05/27/2025
SuperMoney User Recommendation Score +54
Strongly recommended24 total votes
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Highlights
Community Rating
Strongly recommended
Amount Range
$500 - $25,000
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APR (Fixed APR)
14.99% - 29.99%(Verified 05/27/2025)
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Number of Reviews
Upgrade Card Personal Credit Line Review
Upgrade Card Personal Credit Line is offered through Upgrade Inc, a nonbank financial services provider founded in 2016 and based in San Francisco, CA. Upgrade personal line of credit are available in 46 states.
Upgrade Card Personal Credit Line FAQ
What APRs does Upgrade Card Personal Credit Line offer?
Upgrade Card Personal Credit Line offers an APR that ranges from 14.99% 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 Typically, fees range from 0.5% to 10% of the amount withdrawn.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 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 $25,000. .
| 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. Upgrade Card Personal Credit Line does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Upgrade Card Personal Credit Line.
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 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?
Yes, Upgrade Card Personal Credit Line reports to the following credit bureaus:
- 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 build your credit.
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Upgrade personal line of credit
Hours of Operation
Sunday
6:00AM - 5:00PM
Monday
5:00AM - 7:00PM
Tuesday
5:00AM - 7:00PM
Wednesday
5:00AM - 7:00PM
Thursday
5:00AM - 7:00PM
Friday
5:00AM - 7:00PM
Saturday
6:00AM - 5:00PM
Other Services by Upgrade Inc
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +54, or 4.1 on a 5-point rating scale.
+54
-1000+100
No one recommends
Everyone recommends
Upgrade Card Personal Credit Line Community Reviews
Would you recommend Upgrade Card Personal Credit Line to your friends?
Torrance C.
Sep 24, 2023
May or may not recommend
I got approval in seconds or less never jad a credit card before
Ingrid H.
Jul 14, 2023
May or may not recommend
Don’t know anything about it just know that they won’t approve anybody
Charity F.
Apr 27, 2023
May or may not recommend
Personally I've had no issues with customer service or the application process...but the bull**** attached to the card is not worth it no matter how nice or helpful the reps are or easy the process was.
Although the card has a credit line attached, it does not REPORT to the credit bureau as one. It is reported as a personal loan. Credit wise, this does ALMOST NOTHING to help you build ...Show More
KS
Kirk S.
Feb 2, 2023
May or may not recommend
I have the Upgrade Cash Rewards Elite card and love it! It's a flat 2.2% cashback on everything and zero fees and zero interest with the automatic early pay feature. Simple, clean and powerful account website. Check it out!!
RG
Roger G.
Dec 26, 2022
May or may not recommend
THIS CARD IS A PIECE OF SHIT
MY CARD HAS BEEN HACKED AND I HAVE CALLED THESE ASSHOLES 7 TIMES TELLING THEM I CANNOT ACCESS MY ACCOUNT ON LINE. ALSO UNAUTHORIZED CHARGES. THEY DO NOTHING ABOUT IT. NOBODY SPEAKS ENGLISH. CARD IS A PIECE OF SHIT. STAY AWAY
KW
Kristin W.
Nov 10, 2022
May or may not recommend
Recommended good app to use sending good vibes and gratitude
JN
Justin N.
Oct 17, 2022
May or may not recommend
There Amazing and have great customer service and there fast
RB
Rickey B.
Oct 16, 2022
May or may not recommend
I needed a loan to consolodate bills and help strengten my credit ratid you have offered me that me the ability to do that.
PF
Patrick F.
Jul 6, 2021
May or may not recommend
Upgrade Inc. ROCKS!
They helped me consolidate my bills, Fix up my house, incredible.
The APR is normal and no loan shark fee of any sort. They are pretty transparent.
I borrowed 10k with a five year plan to pay off, I am sending in double payments to borrow again for another big project. I will neve ever be late with this company. For a semi new start up bank they have my ...Show More
DS
Desaree S.
May 11, 2021
May or may not recommend
Desaree Smith
I had a sensational experience and great rate!
I am trying to rebuild my "credit worthiness after my divorce!"
I love the opportunity "Upgrade" granted me at such a "tumultuous time" during the pandemic and after a "semi-sweet" divorce!
Gracias, Upgrade...you rock!
I cannot wait to tell all my friends about you!
Happy Tuesday! :)
VD
Vic D.
Feb 26, 2021
May or may not recommend
It's a easy and smooth way to access cash if you qualify. The registration is minimal, and it's many options to choose from.
David B.
Feb 8, 2021
May or may not recommend
I applied for a loan based on a few recommendations and the process went smoothly. I was notified with few hours that my application was approved and received the funds in my account a couple of days after.
I would highly recommend.
AD
Adam D.
Nov 12, 2020
May or may not recommend
I need at least 10,000 20,000 before Friday I’ll do any interest rates if my payments are 400 or less’
GR
Gaby R.
Nov 5, 2020
May or may not recommend
So I'm not the most savvy when it comes to personal finances. I waited a while to start a line of credit and I was worried that the process was going to be too complicated. But Upgrade made it so easy, it made me feel dumb for not trying it earlier! I've already told some of my friends to start using Upgrade too!
OD
Olayemi D.
Oct 18, 2020
May or may not recommend
Upgrade Card Personal Credit Offer free, quick, and easy access to cash. It also provides pre-qualified rates that ensures a smooth loan experience.
They require little or no registeration fee. They can also offer a wide range of loan making them everybody's choice
KA
Kimberley A.
Oct 16, 2020
May or may not recommend
Great service and great repayment structure. It combines both the benefit of a credit card and a personal line of credit. It is also easily accessible especially for people with not o great credit scores. I'd highly recommend it.
LS
Louis S.
Feb 18, 2020
May or may not recommend
Great place i recommend it to everyone better call them
DH
David H.
Nov 2, 2019
May or may not recommend
It was extremely easy and fast!! Id recommend it to anyone!!
WE
Wanda E.
Sep 15, 2019
May or may not recommend
I do not have any crite bye them but i would trust them
TT
Tara T.
Dec 1, 2018
May or may not recommend
I need help! Most companies want approve me for not one credit product. My patience is very short what is wrong when I need to improve my credit score!
Showing 20 of 24 reviews