Upgrade Debt Consolidation Loan
Upgrade offers debt consolidation loans ranging from $1,000 to $50,000 with terms up to 84 months, targeting borrowers with fair credit.
Last checked on June 2, 2026. We may earn a commission when you click through.
Upgrade is fair-credit borrowers needing debt consolidation, but be mindful of potential high APRs.
Upgrade Debt Consolidation Loan
Updated 7 days ago| APR | Amount | Term |
|---|---|---|
| 7.74–35.99% | $1,000–$50,000 | 24–84 mo |
Requirements
Minimum credit score 580
US citizen or permanent resident
Verifiable income
Decision
Next business day fundingOur Verdict
Upgrade is fair-credit borrowers needing debt consolidation, but be mindful of potential high APRs.
Best For
This loan is best for individuals with credit scores starting at 580 looking to consolidate their debts with favorable terms.
Watch Out
The APR can go as high as 35.99%, which may lead to high repayment costs if not managed properly.
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About this loan
Upgrade offers debt consolidation loans from $1,000 to $50,000 with terms up to 84 months, accessible to borrowers with scores as low as 580.
What Customers Say
Customer feedback highlights ease of use but expresses concern over high interest rates for some borrowers.
Expert Analysis
Upgrade's debt consolidation loans offer a flexible range from $1,000 to $50,000, ccessible for many borrowers. Terms extend up to 84 months, allowing for manageable monthly payments. With rates starting at 7.74% APR, those with fair credit can find viable options.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
Similar options
- 6.49–25.39%
- APR
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Good to excellent credit required for best rates
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- 3.89–18.24%
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- 5.49–17.99%
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- 5.96–35.99%
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Minimum credit score 600
US citizen or permanent resident
Verifiable income
- 4.67–21.99%
- APR
- $5k–$100k
- 24–84mo
Minimum credit score 580
Vehicle less than 10 years old
Valid US driver license
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