Upgrade Personal Loan
Upgrade accepts visa holders and permanent residents with credit scores as low as 580, making it the most accessible option for immigrants with limited credit history.
Last checked on September 4, 2026. We may earn a commission when you click through.
Upgrade Personal Loan
Updated 1 month agoAPR Range
7.74–35.99%
Amount
$1k–$75k
Term
24–84 months
Type
personal
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Our Verdict
The best option for immigrants with imperfect credit. Upgrade's 580 minimum credit score is the lowest among major lenders serving non-citizens, and the joint application option lets a creditworthy cosigner strengthen your case.
Best For
Immigrants with fair or bad credit who need flexible approval requirements, or newcomers applying with a US-based cosigner
Pros
- Lowest credit score requirement (580) among immigrant-friendly lenders
- Accepts passport or visa holders — not just green card
- Joint/co-borrower applications available
- Loans from $1,000 — low minimum for smaller needs
- Up to $75,000 for larger expenses
Cons
- Origination fee of 1.85% - 9.99%
- Higher APR ceiling (35.99%)
- SSN required for most applicants
- Origination fee deducted from loan proceeds
About This Loan
Requirements
- SSN, passport, or valid visa
- Permanent residents or visa holders
- Minimum 580 credit score
- Joint applications allowed
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