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   Personal Loans
   
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REWARDS CHECKING PLUS

NO MONTHLY FEE CHECKING ACCOUNT WITH CASH BACK

 * Up to 2% cash back on purchases1
 * Add Performance Savings to earn up to 5.07% APY2

Open Account
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Rewards Checking Plus is FDIC-insured up to $250,000 through Cross River Bank,
Member FDIC.


borrow up to $50,000

Personal Loans


EARN UP TO 3% CASH BACK

See All Upgrade Cards


PAY NOW OR PAY LATER

OneCard


earn 5.07% APY WITH NO FEES

Premier Savings


up to 2% CASH BACK AND NO FEES

Rewards Checking Plus


Discover ways to save

Auto Refinance



2.5M+

Customers


$24B

Borrowed


39K+

Reviews



REWARDS
CHECKING PLUS

No monthly fee checking account with cash back


Open account
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No monthly fees



 * Up to 2% cash back on purchases1
 * Get paid up to two days early with direct deposit3


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PERSONAL LOANS

Get the funds you need – sent directly to your bank account – within a day of
clearing verifications


Check Your Rate
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Achieve more with fast funding†



 * Fixed rates and predictable payments
 * Pay off your loan at any time, with no prepayment penalty


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Refinance
Credit Cards




Debt
Consolidation




Home
Improvement




Major
Purchases



UPGRADE ONECARD

You control how you pay for your purchases: Pay Now with no interest, or Pay
Later5


Get Started
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No Annual fee



 * Get 3% cash back on everyday purchases, 2% on everything else4
 * Extra Spending Power when you have Rewards Checking through Upgrade6


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unlimited 3% cash back

Life
Rewards


unlimited 1.5% cash back

Cash
Rewards


‍

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FROM OUR CUSTOMERS

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MANAGE YOUR UPGRADE ACCOUNT ON THE GO

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(844) 319-3909



Monday - Friday, 5am - 6pm PT
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 * Products
   * Personal Loans
   * Upgrade Cards
   * Upgrade OneCard
   * Premier Savings
   * Rewards Checking Plus
   * Auto Refinance
   * Auto Finance: Customers
   * Auto Finance: Dealers
   * Home Improvement
   * Credit Health
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   * Do Not Sell or Share My Personal Information
   * Limit the Use of My
     Sensitive Personal
     Information

275 Battery Street, 23rd Floor
San Francisco, CA 94111, USA

Not for payments. Payment
address can be found here.

Looking to Invest? Contact us at
moc.edargpunull@rotsevninull

For other inquiries, contact us at
moc.edargpunull@tcatnocnull

 * 
 * 
 * 
 * 

1 Rewards Checking Plus customers who set up monthly direct deposits of $1,000
or more earn 2% cash back on common everyday expenses at convenience stores,
drugstores, restaurants and bars - including deliveries - and gas stations, as
well as recurring payments on utilities and monthly subscriptions including
phone, cable, TV and other streaming services, and 1% cash back on all other
debit card purchases. 2% cash back is limited to $500 in rewards per calendar
year; after $500, customers earn 1% cash back on all eligible debit card
purchases for the remainder of the year. Rewards Checking Plus accounts with
less than $1,000 in monthly direct deposits 60 days after account opening will
earn 1% cash back on common everyday expenses and 0.50% cash back on all other
eligible debit card purchases. Some limitations apply. Please refer to the
applicable Upgrade VISA® Debit Card Agreement and Disclosures for more
information.

2 The 1.5% Annual Percentage Yield (APY) for the Performance Savings account is
effective as of June 1, 2023. The APY for the Performance Savings account is
variable and may change at any time. Active Accounts qualify for 5.07% APY with
monthly $1000 direct deposit. The APY for Active Accounts is effective as of
September 1, 2023, is variable, and may change at any time. Please refer to the
applicable Cross River Bank Performance Savings Deposit Account Agreement and
Truth in Savings Disclosure.

To earn APY, you must open and fund a Performance Savings account. Rewards
Checking Plus accounts do not earn APY.

3 Early direct deposit requires set up of recurring electronic direct deposit
from your employer, payroll, or benefits provider and is limited to direct
deposits under $5000. Early access to direct deposit funds depends on the timing
in which we receive notice of impending direct deposit, which is generally up to
two days before the scheduled deposit date.

4 You will accrue cash back rewards when you pay eligible purchases back. To get
3% or 2% cash back on your Upgrade OneCard, you must open a Rewards Checking or
Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) and
either (i) activate the Pay Now feature on your OneCard and keep that feature
linked to your Rewards Checking account or (ii) maintain each month a qualifying
active Rewards Checking Account as described here. If you meet these conditions,
you will accrue 3% cash back for common everyday OneCard purchases at
convenience stores, drugstores, restaurants and bars—including deliveries—and
gas stations, as well as recurring payments on utilities and monthly
subscriptions including phone, cable, TV and other streaming services; you will
accrue 2% cash back for all other OneCard purchases. 3% cash back is limited to
$500 in rewards per calendar year; after $500, you will accrue 2% cash back. If
you do not meet the above conditions, you will accrue 1.5% cash back for all
purchases. Your accrued cash back will generally be applied to your balance
after your next scheduled monthly payment. If you do not have a balance and for
as long as your card account is open, you may elect to have cash back applied as
a deposit into your bank account on file. Cash back rewards are redeemed once
applied. Cash back rewards applied to your balance will not otherwise reduce the
amount of your regular monthly payments. Eligibility for cash back based on
categories is determined by the merchant category code (MCC), which is assigned
to merchants based on the kinds of products and services they primarily sell.
Get more information on applicable merchant categories. Rewards associated with
the Upgrade OneCard, when applicable, are provided by Upgrade, Inc. Rewards are
a gratuity and not your property until redeemed. Balance transfers and payment
on non-purchase transactions, such as sending funds electronically to your bank
account, are not eligible to earn rewards. Some limitations apply. Please refer
to your Cardholder Agreement for more information.

5 Pay Now is a feature of OneCard that allows you to designate specific
purchases to be automatically paid off the day after purchases settle. When you
authorize us to activate Pay Now, we’ll ask you to tell us your preferences as
to which purchases you want to be designated as Pay Now and which as Pay Later.
Each purchase will be processed as a credit transaction, but while you will not
be charged interest on any purchases that you pay off using Pay Now, purchases
designated as Pay Later will accrue interest at the fixed APR shown on your
Truth-in-Lending disclosure. Every time you make a OneCard purchase, we’ll
designate the purchase as Pay Now or Pay Later based on the preferences you gave
us. Even after you make a purchase, you may change the designation of that
purchase from Pay Now to Pay Later, or vice versa, up until 12pm Pacific Time
the day after your purchase settles. Every day at 12pm Pacific Time, we will
initiate one-time ACH debits to your bank account to pay off the prior day’s
settled purchases that were designated as Pay Now. You may cancel a Pay Now
payment up until 12pm Pacific Time by simply changing that day’s Pay Now
purchases to Pay Later through your Upgrade dashboard or mobile app. If a Pay
Now ACH debit is returned by your bank, we will switch the underlying purchases
to Pay Later, and those purchases will accrue interest as of the original
purchase date. Designating a purchase as Pay Later gives you the flexibility to
pay balances back over time with a fixed payment period.

6 You may be granted Extra Spending Power if you designate a Rewards Checking
Account to be the source of payments for the Pay Now feature of your Upgrade
OneCard, maintain a positive available balance in the designated Rewards
Checking account, and maintain your Upgrade OneCard account in good standing. If
you meet these conditions, the amount of your Extra Spending Power is generally
determined by your Rewards Checking account balance, with a larger deposit
balance generally correlating to a higher Extra Spending Power, up to a maximum
of $5,000. The Extra Spending Power supplements your Credit Limit to increase
the amount of your Available to Spend for purchases. We reserve the right to
raise or lower the Extra Spending Power maximum from time to time in our sole
discretion subject to compliance with applicable law. If you qualify for Extra
Spending Power and you make a purchase that causes your Upgrade OneCard balance
to exceed your Credit Limit, the amount of the purchase that exceeds your Credit
Limit will be processed as a Pay Now purchase, even if the total amount of the
purchase would otherwise be processed as a Pay Later purchase based on your Pay
Now settings

† Accept your loan offer and your funds will be sent to your bank or designated
account within one (1) business day of clearing necessary verifications.
Availability of the funds is dependent on how quickly your bank processes the
transaction. From the time of approval, funds sent directly to you should be
available within one (1) business day. Funds sent directly to pay off your
creditors may take up to 2 weeks to clear, depending on the creditor.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of
8.49%-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.

Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in
the US and other countries. App Store is a service mark of Apple Inc. Google,
Google Pay and the Google logo are trademarks of Google Inc. VISA is a
registered trademark of Visa International Service Association and used under
license.

©2017-2023™, NerdWallet, Inc. All Rights Reserved.

NMLS ID 1548935 - Additional information about our state licenses can be found
here

Copyright 2023 Upgrade, Inc.
All rights reserved.

Personal Loans and Auto Refinance Loans made by Upgrade's bank partners. Home
Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing
Lender. Personal Credit Lines are issued by Cross River Bank, Member FDIC. The
Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license
from Visa U.S.A. Inc. Upgrade, Inc. (NMLS #1548935) holds the following state
licenses and does business under the following DBAs. Checking and savings
accounts provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards
are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa
U.S.A. Inc. Upgrade is a financial technology company, not a bank.






DO NOT SELL OR SHARE MY PERSONAL INFORMATION

For California Residents only: Upgrade does not “sell” your personal
information, but you can opt-out of sharing your personal information with third
parties for cross-context behavioral advertising. When you visit our website or
mobile application (collectively, the “site”), we store cookies on your browser
to collect information. The information collected might relate to you, your
preferences, or your device, and is used to make the site work as you expect it
to, to provide a more personalized experience, and to provide you with
information about products and services that may be of interest to you. You can
choose to opt out of certain types of cookies, including Targeting Cookies.
Click on the different category headings to find out more and change our default
settings according to your preferences. You cannot opt-out of our first party
Strictly Necessary Cookies, as they ensure the proper functioning of our website
(such as remembering your settings, logging you into your account, redirecting
you when you log out, etc.). For more information about the tracking
technologies we use, please see our Privacy Policy.
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