Upgrade

About Upgrade

Upgrade is a financial services company offering personal loans, debit and credit products, and checking and savings accounts with rewards. It provides fixed-rate personal loans up to $50,000 and various Upgrade Cards including cash rewards and life rewards, as well as Rewards Checking Preferred with cash back and APY-bearing savings options. The company operates primarily in the United States, with an emphasis on consumer lending, card-based payments, and deposit products through partner banks. Headquartered in San Francisco, California, Upgrade positions itself as a financial technology company—not a bank—connecting consumers with loan and card products and related financial services.