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Upgrade charges an origination fee between 1.85% and 9.99% of the loan, and borrowers will encounter a $10 fee if their payment is more than 15 days late or if the payment does not go through there are no discounts for autopay. Upgrade has two- to seven-year terms available. Loans amounts, which range from $1,000 to $50,000. Although maximum APRs are on the high end compared to other online lenders, Upgrade makes loans available to those with poor credit history. Since that time, the platform has made more than $3 billion in credit available to over 10 million applicants and continues to expand its online and mobile services.

Upgrade was launched in 2017 and provides accessible online and mobile credit and banking services.