Our verdict
Upgrade earns a 8.8/10 (Excellent) in our personal loans testing, ranking #3 overall. It stands out most for fair credit, making it a strong choice if that matches your priorities.
Pros and cons
What we like
- Stand-out choice for fair credit
- Consistently strong customer feedback
- Competitive pricing for what you get
What could be better
- Best value may require a longer commitment
- Some advanced features cost extra
