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is upgrade lending legit

Is Upgrade Lending Legit? An exploration of the truth behind this popular lender.

is upgrade lending legit

Is Upgrade Lending Legit? An Exploration of the Truth Behind This Popular Lender

As more and more people turn to online options to manage their finances, the question of whether or not a particular lender is reliable and trustworthy has become increasingly important. Upgrade Lending is one of the most popular online lenders, but is it legit? In this blog post, we'll take a closer look at the truth behind Upgrade Lending and evaluate its legitimacy.

What Is Upgrade Lending?

Upgrade Lending is an online lending platform that offers personal loans and credit cards to qualified borrowers. The company prides itself on its user-friendly platform and its commitment to helping customers get the funds they need quickly and easily. Upgrade Lending also offers various loan options to meet different financial needs and credit ratings.

Legitimacy of Upgrade Lending

Upgrade Lending is a legitimate lending platform and is fully licensed by the government. It also complies with all applicable laws and regulations and is a member of the Online Lenders Alliance (OLA). The company is also verified by the Better Business Bureau and has received an A+ rating. All of these facts point to Upgrade Lending being a reputable and reliable lender.

Security of Data and Funds

When it comes to the security of personal data and funds, Upgrade Lending takes all the necessary precautions. The company uses industry-standard encryption technology to keep all personal information and financial transactions safe and secure. In addition, the company also has a dedicated team of experts who monitor the platform on a regular basis to ensure that all data and funds are secure.

Customer Service

Upgrade Lending is committed to providing excellent customer service. The company has a dedicated customer service team that is available 24/7 to answer questions and provide assistance. They are also responsive to customer feedback and take any complaints seriously. Additionally, the company has a detailed FAQ page on its website that provides helpful information about the company and its products.

Interest Rates and Fees

Upgrade Lending offers competitive interest rates and fees. The company's fees and interest rates vary depending on the loan amount and credit score. However, Upgrade Lending does not charge any hidden fees or additional charges for late payments.


Overall, Upgrade Lending is a legitimate and reliable lender that has a good reputation in the online lending industry. Its user-friendly platform, competitive interest rates, and excellent customer service make it a popular choice for borrowers. Plus, the company's commitment to security and privacy ensure that all data and funds are kept safe and secure.

People also ask

Upgrade may approve you within 1 to 4 business days, but it can take longer if the company needs extra documentation to verify your information. After your application is approved and you accept the offer, it may take a few more days to receive your funds, which Upgrade will send by electronic bank transfer.

If you receive a loan through Upgrade, we will perform a hard inquiry, which may impact your credit score. A new borrower may see a small drop in their credit score when they receive a new loan, but the score typically climbs back up with time and on-time payments.

In many cases, upgrading won't bring you a windfall of points or miles but it also won't impact your credit score. And if you can fully utilize the set of perks on the upgraded card, it may very well be worth it.

Upgrade is not a bank. We partner with banks and other financial institutions to originate loans obtained through Upgrade.

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