Upgrade - Mobile Banking

• Free

Last verified 30 Aug 2026

4.9 83521 ratings · App Store

1. 5/5Fast,Safe,Easy!

   I’ve been an Upgrade customer for about a year and a half. I had been working on raising my credit score by paying down my credit cards for YEARS! But I finally needed to get serious as my retirement was anything but easy! I looked into Upgrade and they had a very attractive rate for a personal loan that would pay off the credit cards in 3 years with a much lower interest rate than I had expected! Paid off all my debt, but now needed a new car! Got a great hybrid that was just 3 yrs old and with low mileage and because of my good credit score, was able to get nearly the same rate on the car on a 5 year loan. Then, a big surprise… my credit rating went up again! And now I needed a short-term bridge loan to help me finish remodeling my house after a fire and was able to get another personal loan to help with that! I’m still paying all my bills on time and my credit rate keeps rising as I have not used my credit cards to solve my short-term cash crunches! And each month I can see my personal debt going down! And my credit score keeps rising! I recommend Upgrade to everyone!

   Deccomom · 30 Aug 2026

2. 5/5Excellent, Excellent, Excellent

   I truly enjoy the services, easily accessible through application, haven’t tried the bill pay yet but I’m sure it’s seamless. If you have no need to walk into a banking institution then upgrade is a perfect banking alternative and offers a wide variety of financial and credit services. Savings account has a very competitive interest rate and I earn rewards on my primary checking , and upgrade one accounts on purchases. Haven’t had the need to utilize my credit line on the upgrade one account or spreading any purchases over extended periods but definitely do not foresee any issues. I was impressed by the ease of starting my accounts as well as the account security in sound so. Only thing I wish they would add is the ability to lock and unlock my debit / credit cards. I travel for work constantly and if I were to leave my wallet and card behind in my hotel, the option to lock my cards so I could have the piece of mind that my cards were secure.

   Dallas370 · 30 Aug 2026

3. 1/5One time feature tease.

   The first time I added money to the app, there was an option to add money with a debit card and I was like oh cool being able to add money from a debit card to a bank account with no minimum amount requirement and no fees it’s going to be an exceptional tool. I did it once and then it disappeared so I called them and they told me it was only a one time feature, which shows that they have the technology to do it, but they choose to withhold it. Being able to add money from a debit card is an essential part of a banking technology for me. If I can only find one legitimate bank that has a branch that offers that feature, I will be extremely pleased. I am writing this a one star because when I use the feature, it didn’t mention it being a single used feature and I had to call to figure it out. I just think if it’s an available feature that works and they can use it. They should put it on there and leave it on there for everybody and until they do, I will not bank with them. It is so hard to move money in and out of things without either having to waste money in fees or having to wait multiple days on end and it’s just ridiculous when the technologies is there to be able to instantly add money with a debit card for free so why not offer it? Especially when you use it as a one time feature to bait people in it just seems predatory and wrong.

   Kingwinpenguin · 30 Aug 2026

4. 2/5Terrible customer service

   Interest rate on loan was ok, but the problem is accessing your account online. They have been emailed over 3 times, on hold on the phone for a total of over 5 hours trying to view account information. When logging in, the account still shows under review after 5 months and automatic withdrawals from checking. This makes it impossible to see payments posted, payoff balance, to make extra payments or to change automatic withdrawals. Everytime I call in, either the operator has no clue what is going on or I am told it is being worked on. After 5 months, the issue should have been resolved long by now. At one point I was told they couldn’t give me the payoff. Due to this issue, I am very dissatisfied with this company, they have no problem withdrawing your money for payments, they just have a problem showing on your account the payments have been posted. I like seeing where my money is going and I like knowing the payoff. This loan will be bought out by another one, even if it’s a higher interest rate. They have too many unresolved issues with their website interface t conduct business.

   Disturbing Factors · 30 Aug 2026

5. 5/5Was nice to work with

   I used Upgrade from approximately 2017 to the end of 2021. Whenever I needed help I was typically able to get through to customer service, I appreciated that their customer service spoke very clear English without foreign accents. That is not intended to offend anybody, but some people struggle to clearly understand if accents are too thick. Anyways, during 2020 as a business owner we certainly felt the squeeze and Upgrade was there to offer us numerous options to reduce our payments to help us through tough times. Through all of it we were able to complete our loan with a 100% payment history as well as gain great credit benefits for the service we received. Ultimately, if you take a loan for the right reason and can make more money from it than the interest your paying your making a good decision, but life sometimes needs money for things that do not make any returns, but either way, if you run into trouble this lender may be able not work with you so it’s a good choice if you need a loan.

   flnvaz · 30 Aug 2026

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