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You'll generally need a credit score of 560 or higher to get an Upgrade personal loan. Keep in mind that you're not guaranteed to get a loan if you have a higher credit score than that; you'll need to meet Upgrade's other personal loan requirements, too, such as a stable income.

Yes ? if you apply for a personal loan, Upgrade will verify your income to be sure you can afford your minimum monthly loan payments. Upgrade does not specify a minimum income requirement on its website.

Yes, the Upgrade cards are real. But they work like a personal loan/credit card hybrid, unlike more traditional credit cards you may be familiar with.

Upgrade has been accredited by the Better Business Bureau since 2017 and has a A+ rating. On Trustpilot, Upgrade has an excellent rating of 4.6 out of 5 stars based on an average of more than 20,000 reviews.

Upgrade does not publicize their income requirements, but they will ask for documents to verify an applicant's income. Upgrade's personal loans range from $1,000 to $50,000. Borrowers can repay their Upgrade personal loans within 36 to 60 months.

Yes, you may need to show proof of income to get the Upgrade Credit Card, if your information cannot be easily verified. When that happens, you should be prepared to provide additional financial information, like pay stubs, bank statements, or W-2 tax forms.

The application may require certain documents, like W-2s and pay stubs to confirm the information you gave during pre-qualification. Upgrade will also do a hard credit check when you apply, so your credit score will temporarily dip. Get approved and receive your funds.

Upgrade only looks at the financial documents you submit, such as a W-2 form, a bank statement, a direct deposit form or a pay stub, to verify that you have enough income to afford the loan. For more information, check out the full Upgrade personal loan review on WalletHub.