Upgrade - Mobile Banking 4+

I used Upgrade from approximately 2017 to the end of 2021. Whenever I needed help I was typically able to get through to customer service, I appreciated that their customer service spoke very clear English without foreign accents. That is not intended to offend anybody, but some people struggle to clearly understand if accents are too thick. Anyways, during 2020 as a business owner we certainly felt the squeeze and Upgrade was there to offer us numerous options to reduce our payments to help us through tough times. Through all of it we were able to complete our loan with a 100% payment history as well as gain great credit benefits for the service we received. Ultimately, if you take a loan for the right reason and can make more money from it than the interest your paying your making a good decision, but life sometimes needs money for things that do not make any returns, but either way, if you run into trouble this lender may be able not work with you so it’s a good choice if you need a loan.

I held a live chat with Stephanie on 9/13 through the app as I had added a new checking account for my auto pay but it wouldn’t let me select it as the default account and I’m in the process of closing the old account. She told me it was all set up with the new account and that my old account had been deactivated. She lied. On 9/17 I checked the app and it still looked like the payment was coming out of the old account. I live chatted again with Rachel who told me once you add a new account the old account is deactivated but since the payment had already started processing out of my old account this too was a lie. Finally I called and talked to a rep I did not catch his name and while he was nice and disabled my auto pay for me (so far the only rep to actually do anything). I was told that they would not reimburse me for any fees my old bank would charge me even though I would only be charged those fees because of their mistake. He double checked to see if he could get me reimbursement if I am charged NSF fees (hopefully I won’t because as soon as I found out about their screw up I started a transfer from my new account to my old account) and was told a firm no that they would not. This is egregious to admit they are the cause but then make no amends for their mistake is unbelievable to me. Customer service is dead.

I was getting killed in interest charges because I had some pretty high balances on some of my credit cards, so every time I made a payment, my interest rate would be more than the payment sometimes and my balance’s would hardly go down at all, 😤😳so I needed to get a loan asap to help consolidate my debt and pay off those credit cards, but I had applied for several Loans and kept getting denied, despite my perfect payment history and a 700+ credit score- mostly because of my high balances, which is why I wanted the loan in the first place!

UPGRADE was the only loan company that approved me for a $20,000 loan immediately, with No hassles and without having to send them a ton of paperwork either. It was so easy, it was almost too good to be true, but I got my money once approved within 48 hours!

However, there was just one stipulation-I had to agree to let UPGRADE Pay $10,000 of my loan money directly to my creditors for me, and then the remaining balance was deposited into my checking account afterwards. I had no problem with that, because I had planned on using the loan for that purpose anyways, so I was finally able to pay off my highest card balances that were hurting my credit score.

I just want to say Thank you again, UPGRADE for giving me a chance when no one else would!! You really are a lifesaver! Because of you, my score went up, and my annoying DEBT went down! 🥳😛