Upgrade

Personal Loans, Cards and Rewards Checking

Get easy and rewarding banking all in one place! Request cash advances and open a high-yield savings account, check balances, track cash back and manage loans, cards and more.

Upgrade is a financial technology company, not a bank.

● Track Rewards – Earn cash back rewards on Upgrade Card purchases⁴
● Manage Upgrade Card or Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement through Upgrade accounts. Make payments and check your balance.
● Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score.

Share feedback at mobile_app_feedback@upgrade.com

Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment.Subject to approval. For more information visit upgrade.com/personal-loans/.

¹Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. Delivery may take 3-5 business days without Premium or via ACH; or within minutes with express delivery for Premium subscribers ($9.99/mo). Funds availability depends on the receiving bank. Learn more about eligibility and terms at http://www.upgrade.com/boost-money/eligibility.

²Add funds to your Boost Money™ Spend account, and spend up to the available balance with Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit.

³For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 10/31/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure.

⁴Purchases accrue cash back when you pay them back. Limitations apply. See upgrade.com for more information.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. For example, if you receive a $10,000 unsecured loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR and loan terms may vary. Certain loan offers may not be available in all states. See upgrade.com/personal-loans/ for more information.

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (upgrade.com/bank-partners). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/state-licenses) and does business under the following DBAs (upgrade.com/dba ). Upgrade is a financial technology company, not a bank (upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank).