Upgrade Personal Loan

Fixed-rate personal loans from Upgrade with amounts from $1,000 to $50,000 and repayment terms from 24 to 84 months.

Last checked on May 5, 2026. We may earn a commission when you click through.

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✓ Loan amounts from $1,000 to $50,000 ✓ Repayment terms from 24 to 84 months ✓ No prepayment fee highlighted on the offer page
Personal

Upgrade Personal Loan

Upgrade

Expert Verdict

Upgrade is a good fit for borrowers who want a fixed-rate online loan and moderate borrowing limits, with $1,000 to $50,000 available over 24 to 84 months and APRs from 7.74% to 35.99%.

Best for

Borrowers who want a straightforward online personal loan with smaller starting amounts than SoFi.

Pros Cons
Loan amounts from $1,000 to $50,000 Origination fee can run from 1.85% to 9.99%
Repayment terms from 24 to 84 months Top-end APR reaches 35.99%
No prepayment fee highlighted on the offer page Puerto Rico-specific eligibility is less explicit than local-bank offers

Similar options

SoFi

SoFi Personal Loan

7.74% APR
LendingClub

LendingClub Personal Loan

6.53% APR
Banco Popular de Puerto Rico

Banco Popular Personal Loans

6.49% APR
Oriental Bank

Oriental Bank Personal Loan

5.99% APR
CooPACA

CooPACA Personal Loans

8.0% APR