Unique Selling Point:
With potential access to joint, secured and co-signed personal loans, Upgrade offers a fully-digital personal loan option for those who may be earlier in their credit journey.

Who is this app for:
If you are someone with decent cash flow, and you need help with things like debt consolidation, credit card refinancing,  home improvements, or major purchases expenses, then Upgrade may be a good choice for you. You apply entirely online or through the app and funds are deposited within 5 business days after approval. Those with high credit scores can benefit from competitive rates – as low as 6.94%, while those with limited credit history can lower their rates and increase their likelihood of acceptance through secured loans or partnership with a family member or friend through joint and co-signed loans.

Bonus points:
– With no prepayment fees, you can pay off your loan early without any penalties.