Upgrade
Upgrade, founded in 2017, is a fintech firm offering personal loans, credit cards, checking and savings accounts, and credit monitoring to mainstream consumers in the United States.
Upgrade is a financial technology company founded in 2017 that provides mainstream American consumers with personal loans, credit cards, checking and savings accounts, and credit monitoring tools. Its products combine cash-back rewards with fixed-rate credit: the Personal Loans line offers fixed rates and transparent terms, while the Upgrade Card and OneCard pair rewards flexibility with the predictability of a fixed-rate loan. Other offerings include Rewards Checking Preferred, Premier Savings, and credit monitoring tools.
The company reports that its customers have accessed more than $42 billion in credit since 2017, and that it serves over 7 million customers, with a TrustScore of 4.7 out of 5 across more than 50,000 reviews. Its stated emphasis is on transparent terms and the absence of hidden banking fees.
Technical work spans consumer credit underwriting, digital banking, credit monitoring and rewards and cash-back systems. Upgrade has been recognised as one of the World's Top Fintech Companies by CNBC, named to Forbes' America's Best Startup Employers, and listed among Built In's Best Places to Work. The company operates in the United States, with locations in San Francisco, Phoenix, Atlanta, Orange County and Montreal.