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.

	Visit Site	Visit Site
	Upstart	Upgrade
	OFFER Personal Loans - Learn More Read Upstart Review	SPECIAL OFFER Rewards Checking Plus - Up to 2% Cash Back - Learn More Read Upgrade Review
	CreditDonkey® Reviews
Eligibility
Fees
Interest Rates
Savings
Customer Service
Mobile App
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
	Visit Site	Visit Site
	Personal Loans	Rewards Checking Plus - Up to 2% Cash Back Premier Savings - Up to 5.07% APY Triple Cash Rewards Card - $200 Bonus

Rewards Checking Plus - Up to 2% Cash Back

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• Up to 2% cash back on purchases.
• No monthly fees
• Get paid up to 2 days early.
• Maximize your rewards with direct deposit.

Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by Cross River Bank, Member FDIC.

Premier Savings - Up to 5.07% APY

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• 5.07% APY when you have at least $1,000 balance.
• No minimum opening deposit
• No monthly account fees

Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by Cross River Bank, Member FDIC.

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 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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