Upgrade Debt Consolidation 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.

Last checked on June 12, 2026. We may earn a commission when you click through.

✓ Accessible to fair-credit borrowers ✓ Loan amounts from $1,000 to $50,000 ✓ Flexible terms up to 84 months

Consolidation Upgrade Reviewed

Upgrade Debt Consolidation Loan

Updated 4 months ago

APR Range

7.74–35.99%

Amount

$1k–$50k

Term

24–84 months

Type

debt_consolidation

Check eligibility →

You'll be redirected to upgrade.com

Our Verdict

Upgrade's debt consolidation loan offers flexible terms and rate discounts, viable choice for many borrowers.

Best For

This loan is ideal for fair-credit borrowers looking to manage multiple debts with .

Watch Out

The APR ranges from 7.74% to a high 35.99%, which may be steep for some borrowers, particularly those with less-than-perfect credit.

Pros

Accessible to fair-credit borrowers
Loan amounts from $1,000 to $50,000
Flexible terms up to 84 months
Discounts available for autopay
Next business day funding

Cons

APR ranges from 7.74% to 35.99%
Higher rates for lower credit scores
Potential hidden fees
Not ideal for excellent credit borrowers
Limited customer service hours

Full Review

If you have fair credit, Upgrade's debt consolidation loans could provide a lifeline with amounts ranging from $1,000 to $50,000 and terms of up to 84 months. The minimum credit score requirement is 580, which opens doors for many. you can receive discounts for autopay and direct creditor payments.

While the loan amounts are appealing, the APR ranges from 7.74% to 35.99%. Borrowers with lower credit scores may face the higher end of this spectrum, making it essential to weigh the total cost of borrowing. If you need funds quickly, Upgrade promises next business day funding, which is a significant advantage.

Customer service is often highlighted positively, but be aware of the fees that may apply, which can affect the overall loan cost. Unlike some competitors, Upgrade does not charge a prepayment penalty, allowing you to pay off your loan early without additional costs. This flexibility can be beneficial for those looking to save on interest.

Overall, Upgrade's platform is user-friendly, providing a application process. However, those with excellent credit might find better rates elsewhere, such as with SoFi or Marcus, which cater more to prime borrowers. Evaluate your credit situation before proceeding to ensure you get the best possible terms.