Upgrade

Get safe and easy mobile banking all in one place! Check your balances, view available credit, pay bills, track your cash back rewards and more. Upgrade is a financial technology company, not a bank. -Track your Rewards – Earn cash back rewards on your Upgrade Card and Upgrade Debit Card purchases1. -Manage your Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your outstanding balance. -Sign up for Credit Health to monitor your credit score - Check your credit score, get notified of changes, and use our simulator to see how different actions may impact your score. Share your feedback at [email protected] Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/. ¹ Rewards Checking Preferred customers who set up monthly Eligible Direct Deposits of at least $1,000 within sixty (60) days after account opening earn 2% cash back on purchases in eligible categories including: convenience stores, drugstores, restaurants and bars (including deliveries), gas stations, utilities (including electric, gas, sanitary and water) and monthly subscriptions (including phone, cable, TV and other streaming services). Excluded purchase categories and excluded recurring payments include, but are not limited to: grocery stores and supermarkets (including affiliated gas stations), travel purchases, medical bills, retailers and online merchants, rent, mortgage, insurance, car payments, or other monthly subscriptions or bills. 2% cash back rewards are limited to $500 in rewards per calendar year ($25,000 in eligible category purchases). Rewards Checking Preferred accounts with less than $1,000 in monthly Eligible Direct Deposits sixty (60) days after account opening will not earn any cash back. To learn about eligible categories, exclusions and other terms please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. See Upgrade.com for full Upgrade Cash Back Rewards Program details. Certain limitations apply. Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).