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Upgrade Features and Benefits
Key features and benefits of Upgrade.com include:
- Personal Loans: Borrow up to $50,000 with fixed rates, ideal for debt consolidation, home improvement, and major purchases.
- Upgrade Card: Offers 3% cash back on everyday purchases and 2% on everything else.
- Rewards Checking Plus: Provides up to 2% cash back on purchases with no monthly fees.
- Fast Funding: Quick access to funds for various financial needs.
- Predictable Payments: Fixed monthly payments for better financial planning.
- No Fees: No annual fees, late fees, or foreign transaction fees on credit cards.
- Flexible Financial Solutions: Tailored to meet diverse financial requirements.
- Cash Back Rewards: Earn rewards on everyday spending, enhancing savings.
- User-Friendly Platform: Easy-to-navigate interface for managing accounts and transactions.
- Customer Support: Dedicated support team for assistance with financial products and services.
Upgrade.com aims to provide a comprehensive suite of financial products with attractive benefits and features to help customers manage their finances effectively.
Upgrade Pricing
Upgrade.com offers various financial products with different pricing structures:
- Personal Loans: Borrow up to $50,000 with fixed rates and affordable monthly payments. There are no prepayment fees.
- Upgrade Card: Provides 3% cash back on everyday purchases and 2% on everything else. There are no annual fees.
- Rewards Checking Plus: Offers up to 2% cash back on purchases with no monthly fees. Additionally, customers can earn up to 5.21% APY with Performance Savings.
Upgrade.com aims to provide competitive pricing and attractive benefits across its financial products.
Payment Method
Upgrade.com offers several methods for making payments. Users have the flexibility to choose the method that suits them best.
Autopay can be set up to ensure no missed payments and avoid late penalties. This can be done by logging into the Upgrade account and setting up autopay in the dashboard.
For one-time payments each month, users can choose from the following options:
- Pay online in the dashboard
- Pay by phone: Users can call (855) 598-1271
- Pay by mail: Users can send a personal check, cashier’s check, or money order to: Upgrade, Inc. Lbx #452210 P.O. Box 52210 Phoenix, AZ 85072-2210. Payments should be made to the order of Upgrade, Inc. and include the Account ID number in the memo.
Please note that payment processing time frame can take up to 2-3 weeks when paying via check.
Remember, Upgrade.com is a financial technology company, not a bank. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc. Checking and savings accounts are provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Upgrade FAQs
Upgrade Return Policy?
Here's a summary of Upgrade.com's return policy:
Refunds and Cancellations
- Cancellations must be initiated with the merchant first.
- If eligible for a refund based on the merchant's policy, Upgrade will apply it to your account within 10 days of receiving it from the merchant.
- Refunds are credited to your account balance.
- If the refund exceeds your balance, remaining funds are credited back to your original payment method.
- Loan payments due during refund processing are still required, and interest continues to accrue.
Partial Refunds
- Partial refunds do not adjust monthly payment amounts.
- Refunds are applied to the principal balance, reducing the number of payments required.
Purchase Changes
- Contact the merchant directly for changes to purchases made through Upgrade.
- Changes may affect your loan balance.
Cancellation Process
- Contact the merchant to cancel your purchase.
- Email purchases@uplift.com to confirm cancellation.
- Upgrade will delay payment if a refund is pending or cancel if not yet charged.
Important Notes
- No refinancing options are available for installment plans.
- Purchases already finalized typically cannot use Upgrade for payment.
- Card purchases that are canceled, refunded, or failed to process will not generate rewards.
How To Open A Upgrade Account?
Opening an account on Upgrade.com is a straightforward process that can be completed online. Here are the steps:
- Visit the official Upgrade.com website.
- Click on the "Open Account" button.
- Provide the necessary information for identity verification. This includes your name, address, and Social Security Number (SSN).
- If you wish to set up a Rewards Checking account, you can do so at this stage. You can also set up direct deposit or link an external account for electronic money transfer.
- After providing all the necessary information, your account will be set up and ready for use.
Remember, Upgrade.com is an online-only platform, so all these steps are completed digitally. There are no physical locations where you can open an account. Also, keep in mind that Upgrade.com is a financial technology company, not a bank. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc. Checking and savings accounts are provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Upgrade Alternatives
Here are some alternatives to Upgrade.com:
- Upstart.com: Offers personal loans, auto refinancing, and debt consolidation. They consider your career and education when you apply for a loan.
- CreditOneBank.com: Offers a variety of credit cards with rewards or points, credit score access, and zero fraud liability.
- BestEgg.com: Provides low-interest personal loans quickly. You can apply online and receive funds fast.
- MercuryCards.com: Offers a credit card with no security deposit, $0 fraud liability, and cashback rewards.
- SoFi.com: Helps members take control of their finances. They offer services for getting out of high-interest debt and managing wealth.
- LendingPoint.com: Accepts credit scores as low as 585 with relatively low fees. They offer the option for bimonthly repayments to fit your pay schedule.
- Avant.com: Accepts credit scores of around 550 to 580 and is one of the few lenders that accepts self-employed income.
- Prosper.com: A peer-to-peer lending platform that offers personal loans with fixed rates and terms.
- LendingClub.com: A peer-to-peer lending platform that offers personal loans, auto refinancing, and business loans.
- OneMainFinancial.com: Offers personal and auto loans. They consider various factors, not just your credit score, when determining your eligibility for a loan.
Each of these platforms has its own unique features and benefits, so it's important to research and choose the one that best fits your needs. Remember, always read the terms and conditions before applying for any financial product.
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