All Loans

• Loan Amounts: $1,000-$50,000
• Annual Percentage Rates (APRs): 7.99% - 35.99%.
• Fixed rates and payments with a clear pay off date.
• Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.
• Fast Funding. Money is sent to your bank account within a day of clearing any verifications.*
• Automatic payments and ability to customize the due date: manage your account online or via the mobile app
• No prepayment penalties.
• Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit.

Disclosures:

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 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 in your account 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 on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/

Fast Funding Disclosure:

*Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Explore Credit is a smart, simple, and fast way to borrow money when you need it most. They offer short-term installment loans with no hidden fees.

Our super simple online process gets you a decision in just minutes and your funds in as little as two business days.

Requirements:

• Credit Score Requirement: 500+
• Minimum Loan Amount:  $300
• Maximum Loan Amount: $2000
• Minimum Age: 18
• Minimum Employment Lenght: 1 month
• Other requirements:  Checking account required, social security number, driver's license,permanent address, current employment information 

What is an online installment loan?  

An installment loan is a specific amount of money you borrow and then pay back split up into equal payments within a certain time frame.

Lending in the following states: AZ, CA, CO, DC, DE, FL, HI, IA, ID, IN, KS, KY, LA, ME, MI, MN, MO, MS, MT, ND, NE, NM, NV, OH, OK, OR, RI, SC, TN, TX, UT, WA, WI, WY.

See all terms and conditions on application page.