Upstart vs Upgrade

Upstart is a good option for "fair-to-good credit" borrowers who need to consolidate debt. How does it compare to Upgrade? Read our comparison chart below.

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	Upstart	Upgrade
	OFFER Personal Loans - Learn More Read Upstart Review	SPECIAL OFFER OneCard with Rewards Checking - $200 Bonus - Learn More Read Upgrade Review
	CreditDonkey® Reviews
Fees
Eligibility
Interest Rates
Savings
Mobile App
Customer Service
Pros & Cons	Pros: Higher approval odds for low credit borrowers No prepayment penalties Can pay creditors directly Cons: High origination fees Higher starting APR No cosigners allowed	Pros: High APY No monthly fees No minimum opening deposit Cons: No ATM card $1,000 needed to earn APY
Bottom Line	Good option for "fair-to-good credit" borrowers who need to consolidate debt... Read full review	Savings account with one of the highest APYs in the nation... Read full review
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	Personal Loans	OneCard with Rewards Checking - $200 Bonus Life Rewards Card - $200 Bonus Triple Cash Rewards Card - $200 Bonus

OneCard with Rewards Checking - $200 Bonus

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• 3% cash back on everyday expenses (up to $500 in rewards per calendar year); 2% on everything else
• No annual fee
• Choose to Pay Now with no interest, or Pay Later
• $200 bonus when you also open and fund a new Upgrade Rewards Checking Plus account and make 3 qualifying purchases on your Upgrade OneCard and/or Rewards Checking Plus debit card within 60 days

Upgrade is a financial technology company, not a bank. Personal Credit Lines are issued by Cross River Bank, Member FDIC. The Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Life Rewards Card - $200 Bonus

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• 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories, 1% cash back on everything else (Target and Walmart earn 1%)
• No annual fee
• Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.*

Upgrade is a financial technology company, not a bank. Personal Credit Lines are issued by Cross River Bank, Member FDIC. The Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Triple Cash Rewards Card - $200 Bonus

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• Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
• No annual fee
• Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.*

Upgrade is a financial technology company, not a bank. Personal Credit Lines are issued by Cross River Bank, Member FDIC. The Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Which is Better: Upstart or Upgrade?

In short: Upgrade's fees is excellent.

Articles on Upstart

Upstart Personal Loan Review

Upstart offers personal loans for fair-credit borrowers. Before applying, find out if it's reliable, how it affects credit, and who gets approved.

Articles on Upgrade

Upgrade Checking Account Bonus

Want to take advantage of an Upgrade checking account bonus? Here's all you need to know about how to qualify.

Upgrade Premier Savings Review

Upgrade Premier Savings gives a really high APY for savings. But what do you need to get it? Read on to learn how to earn their highest APY.

Which Do You Think is Best?

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