Original research
Upgrade personal loans: what to check before you borrow
What to check
Upgrade: a fee can be taken from the loan before the cash reaches you. Check the dollars you receive, not just the loan amount. The legal lender listed in this record is Cross River Bank. Confirm the name and terms on your own offer. These facts describe the dated sample, not a promised rate or approval.
This 17-program sample is not the whole market and cannot predict your offer. CC BY 4.0 covers Rung-owned work, with third-party material excluded. This working report is public. Publisher review and third-party source clearance remain pending; no completed reviewer approval is claimed.
- Published fee: 1.85% to 9.99%. Treatment: deducted.
- Legal lender: The current bank-partner page identifies Cross River Bank for personal loans through Upgrade.
- State access: not fully established.
- Still unclear from public sources: exact term options
These terms may not match your offer
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| What to check | Published information |
|---|---|
| Product | Personal loans through Upgrade — unsecured variant |
| Provider role | marketplace |
| APR | 7.74% to 35.99% |
| Origination fee | 1.85% to 9.99% |
| How the fee is charged | deducted |
| Loan amount | $1,000 to $50,000 |
| Loan length | 24 months to 84 months |
| State or access rule | United States subject to state, creditor, and offer limits |
A deducted fee can make the loan larger than the cash you get
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| Cash you need | Fee basis | Fee rate | Loan amount | Fee removed | Fits published range? |
|---|---|---|---|---|---|
| $5,000 | range minimum | 1.85% | $5,094.24 | $94.24 | Yes |
| $10,000 | range minimum | 1.85% | $10,188.49 | $188.49 | Yes |
| $20,000 | range minimum | 1.85% | $20,376.97 | $376.97 | Yes |
| $5,000 | range midpoint | 5.92% | $5,314.63 | $314.63 | Yes |
| $10,000 | range midpoint | 5.92% | $10,629.25 | $629.25 | Yes |
| $20,000 | range midpoint | 5.92% | $21,258.50 | $1,258.50 | Yes |
| $5,000 | range maximum | 9.99% | $5,554.94 | $554.94 | Yes |
| $10,000 | range maximum | 9.99% | $11,109.88 | $1,109.88 | Yes |
| $20,000 | range maximum | 9.99% | $22,219.75 | $2,219.75 | Yes |
The legal lender may differ from the brand
Brand or platform: Upgrade, Inc.
Legal lender: Cross River Bank
Servicer: Upgrade, Inc.
The current bank-partner page identifies Cross River Bank for personal loans through Upgrade.
Public borrower data describes a group, not you
Where the evidence centers: prime center. Evidence type: funded channel weighted average fico. Confidence: medium.
Upgrade reports an approximately 731 weighted-average FICO for personal loans offered to financial institutions, while loans below 660 are usually sold to institutional investors.
People covered: Personal loans in Upgrade's financial-institution purchase program. Period end: 2026-09-05.
Most funded-loan records cover a limited group or period
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| People or loans covered | Comparison class | Scope | Period end | APR | Why it stops |
|---|---|---|---|---|---|
| channel subset | B | Personal loans presented to financial institutions for loan purchase through Upgrade's bank-partnership program | 2026-09-05 | Not reported | The page does not provide a measurement period, loan count, or dollar denominator. Upgrade says it also facilitates loans below 660 that are typically sold to institutional investors, so this channel is not the full platform. These borrower characteristics do not support an APR comparison. |
Your state or membership can change the answer
United States offering subject to state, creditor, and offer limits.
Public map status: not fully established. Named as included: We could not confirm this. Named as excluded: We could not confirm this.
No named state-specific rule is recorded in the reviewed sources.
Confirm every answer the public pages leave open
- exact term options
- full state matrix
- complete availability list
- amount rules by state
- creditor exceptions by state
- fee rules by state
- Upgrade, Inc.: Personal Loans. official product page; checked 2026-09-05. Consumer disclosure and FAQ; APR, fee, amount, term, fee deduction, hard-pull stage, direct-pay discount, and representative examples
- Upgrade, Inc.: Upgrade Bank Partners. official product page; checked 2026-09-05. Current personal-loan bank partner listing identifies Cross River Bank
- Upgrade, Inc.: Bank Partnerships. official investor release; checked 2026-09-05. Personal-loan purchase program; weighted-average FICO about 731, weighted-average income $161,000, more than 80% debt consolidation, more than 60% homeowners, and below-660 channel note
- Upgrade, Inc.: How much can I borrow with a personal loan through Upgrade?. official terms; checked 2026-09-05. State requirements; minimum amount may exceed $1,000 and some offers may be unavailable in unnamed states
Dataset personal-loan-funded-cost@2026-09-05.collection.3. Snapshot September 5, 2026. No independent reviewer is credited.
Check the next part of your offer
Use your current agreement as the final record.
Confirm your APR, fee, cash received, payment, total repayment, loan length, legal lender, and state rules.