Upgrade Reviews

I was excited to apply for this card, primarily cash back rewards in the form of Bitcoin. However after 2 months there was no indication of my rewards balance nor did the Support team have any idea when it would appear. After a 40 minute conversation I was told that this app arbitrarily decides when to purchase Bitcoin and apply it to your account. If they have no liquidity there this is essentially a broken card- program. All this card serves as is a debit card and an interest payment in any purchase…so I’m going for gas and paying you in addition to the purchase?!?! It’s also misleading to have no clarity as to your balance versus the due date…..your balance, actually every purchase is to be paid off within 24-48 hours to avoid an interest fee but they can’t even divulge this on Upgrade nor have any idea what the processing time is to pull it from your checking account. If you want a debit card bc you have trouble manages a couple hundred dollars apply…if you want to accrue bitcoin which actually has value look elsewhere because this is the moon to them.

I hold a phone call about my brother application he submitted for a loan he got approved on credit karma, it was saying outstanding approval we submit his documents and wanted to check if everything is fine, we were talking to the approval agent he's name was Paul, as soon as he starts talking to my brother his voice changed I was on the phone to help my brother on his behalf, he told him you know what I'm going to decline his application when I asked the reason, he didn't let me talk and hang off the phone, I talk to their supervisor and wanted to find out why his loan got declined, no reason because their agent was racist, this is a free country, the this app is the company to provide loan or credit card, I would not recommend the company that their employees are ignorant and racist! I would leave 1 star...

So I have been with this app for like 3-4 months they are on auto pay have been paid on time each month. But because my credit score dipped they took away the ability for me to actually use the card. I have never seen that ever . And the fact that they have been paid on time each month never late is the worst part . They will take away your amount of credit then your credit all together. I would suggest using grain which is similar or self or a number of other apps but not this I still have those a accounts who were also on auto pay I have not been penalized as this app has I would never suggest them.

I could get a home loan easier then a stupid $500 loan through this place. You send me a card, activate it and then still can’t use it until what? I give you my first born child? Lol. Seriously bank info, auto pay, Check stubs turned in, id front and back turned in. And you want court docs of $10,000 child support? Lol or I have to decline and start all over without including it. So you can run my credit again? No thanks. I understand if this was 10k but it’s not. Customer service was great! Everyone I did talk to was great. You just work for a stupid company. Sorry. Thanks for nothing though.

I got this app personal loan which is great but this review is for for their this app card, don’t apply! Upgrade doesn’t show if your payment went through/so you think you have to make payment again. You can’t edit your payment if you made a mistake. You still get payment due and will automatically take money out of your account even if you have already paid. So beware!! It feels very scammy I wish I never got this card. I’ll see how customer service is and if they are crap as other reviewers say I’ll close this account.

This company was fine for me in the beginning: quick approval, nice card, and nice app. The loan itself wasn’t especially helpful, but at least everything seemed functional.

However, when I decided it wasn’t worth it to have yet another debt, I tried to close the account after paying the balance off. That was six months ago, and it still isn’t closed. I’ve emailed them twice (useless) and called them several times (every time being put on hold and transferred for up to an hour). In comparison, I closed my Citi account in five minutes via an automated line.

This customer service is either shady or really inept. If you want to get involved with a lifelong organization, I’d recommend the mafia over this one, as the benefits are better and when you decide to end things, they let you “go” quickly.

After the last update, I couldn’t get into my account. Changed password & got in once-now I can’t get in to view my account again (no surprise). Have not been able to reach customer support. This is not the first time. Can they not use facial recognition like everyone else? If I wanted to log in every time I would use my laptop & not need an app. Hire Capital One’s App developers. I will be paying this off quickly & will not use again. My tiny local credit union has a more intuitive easily accessible app. Highly frustrating app especially considering the wheel doesn’t need to be reinvented here. Just make an app that is easily accessible & provides the information needed, plenty of other apps manage this.

This is more of a review of Upgrade itself, rather than my actual loan through this app, so keep that in mind.

For whatever reason it doesn’t save my info unlike pretty much 99% of apps out there, meaning I have to input my login info each and every time I want to use Upgrade , which gets pretty tedious. Especially considering both my email and password are both longer than average.

I looked around in the settings and saw that I had “login with Face ID” enabled (which obviously doesn’t work). So I turned it off with the intention of turning it back on immediately after to see if that would fix my issue but instead it got rid of that option completely from the list of settings? Ok…

Why can’t I change my account info before my first payment on Upgrade ? Why must I call? Makes absolutely no sense. This needs to change ASAP. I want to be able to do nearly everything from Upgrade itself.
UPDATE: You can’t even dispute transactions online. You HAVE to call them to do that... Seems like you would be able to do most everything online but they don’t allow that. Makes absolutely no sense.. This card needs to get its act together. It’s 2020. Not 2006.

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.

this app is a very generous lender. Approved my loan with very low interest and paid off my credit cards debt at lightning speed. Literally two days from the time I submit my application. this app app on my iPhone working flawlessly. I was paying sky high interest to credit cards for the past three years. Lesson learned never to touch credit cards again. Wish if I had known about this app long ago. Their simplified lending practices all others should follow. Especially big banks. What a feeling ..Thank you!

I really appreciate the prompt, professional and courteous manner in which your team members interact with and accommodate me when I have questions. Also, your email system is ⭐️⭐️⭐️⭐️⭐️, just like Upgrade . Thank you for the loan and the credit card and the pleasant experience of doing business with you folks.

This card saved me these past few weeks. It’s just good to know that it’s there when I need it. And I needed it. I had the money I needed just by searching through my wallet. Thank you and maybe after a successful first year I can get my credit limit increased. Thank you so much this app.

this app provided me with a personal loan. The application was simple and the approval process was fast. I also have the this app card which has allowed me to utilize the withdrawal of funds when I have needed extra cash for projects.
If you are considering an this app loan or card you won’t be disappointed.

This place was a life saver! The Terms are clear process was fast and easy . I tell anyone that’s needing the extra funding to try this place . A little high interest but in the end they are there when you need them . Really read the fine print for other loan places they are tricky. Not this app Lisa H

I gave this card a five because they was very pleasant when I spoke with about the card and they answer every question that I needed to know. The card came with in one week. I won’t to thank this app for being very quick with their Approval when I Applied for the credit card.
Thanks this app.
J Debnam

This account has been extremely helpful in catching up other bills and having one payment. While the interest-rate might be a little higher than I’m used to paying, it definitely has been very fair and very convenient in helping me get my financial help in a stronger position. Would definitely recommend this app.

I am a new user to this app and I’ve had lots of questions and concerns and was able to get assistance with all of them. I love the flexibility of being able to monitor my account and seek help when needed without going through the rigamarole of pressing through phone menus. It’s also nice to know that should I need further assistance that they are there and willing to help out in such an expeditious and professional manner.

Upgrade is straight forward and easy to use. I think the card is great for having to make a large purchase, because the debt is a loan with a fixed monthly payment over a set period of years. They said 2, but I got over 3 years instead. Interest rate was very competitive. If you’re looking for a way to make sure you don’t get into too much trouble with a credit card, then this is a good choice with a streamlined and efficient app.

I took out a consolidation loan they paid part of it off the other part has taken a month and has yet to be paid off they have started to send me a bill for a loan that they have yet to pay I have tried to contact them they keep telling me not to worry that it will happen

So far horrible experience, we have submit it the documents 3 times already and you all still continue to ask to download it again , and on top of that y’all are taking forever to respond And to review do documents . How long is this going to take? Or should my husband and I apply to another card ? Because this is taking tooo long .

One star since paying my balance is the main thing Upgrade should be able to do. Instead it’s designed to spread whatever amount over a long time to maximize profit. Having to call to pay off a loan is not an “this app.” Having to call to pay off a loan is 1950’s tech, not 2021.

One star for not respecting my time!

Hold times are ridiculously long just to make a payment. Upgrade is not user friendly. You are left wondering if any changes you made on Upgrade even went through. I will avoid using their card just because of issues like these. I paid off the loan simply because I didn’t want to deal with them anymore.

For some reason, all of a sudden I am unable to log in using Upgrade . It was working fine for the last two weeks but now, nothing.

Gave me a good panic. Thought my account was compromised. But nope - login through their webpage is unaffected. Loving this app! Just wish you would fix the login through Upgrade !

I’ve wanted to try something new and this app got a go from me , overall great app with its layout … one thing lacking is the ability to delete linked accounts instead of calling and having the team disable them !

I’ve used Upgrade for about 6 months and have never had an issue with it. I wouldn’t change anything on Upgrade either.

this app helped me achieve my financial goals in a seamless and quick way, Upgrade is very straightforward and easy to use.

Love the overall brand and UI design!

Thank you!

The this app app was easy toSign up for easy to use and everything went smooth every time I use it as easy as just a fingerprint open on my phone I love it

You can follow your account extremely easy. There is no guessing. All your information in is there, no searching.

They have great products they answer the phone when you call they address the problem if you have one quality 100%