iPhone Screenshots


Check your balance, available credit, pay bills and track your rewards.

Features include:
• No-Fee Mobile Banking – Check your balance, pay bills, and transfer funds. We charge no ATM fees, account fees, transfer fees.
• Track Your Debit Rewards – Track your rewards, earn 2% cash back on common everyday expenses and recurring payments, and 1% cash back on all other Upgrade Visa® debit card charges.
• Manage your Upgrade Card or Loan – Manage your payments and check your outstanding balance.
• Manage your credit score - Check your credit score, get notified of any change in your credit report, track potential ID theft, use our credit score simulator to see how different actions may impact your score using real data from your credit report.

Share your feedback at mobile_app_feedback@upgrade.com

What’s New

Version 1.8.1

Design improvements and bug fixes.

Ratings and Reviews

4.8 out of 5
2.8K Ratings

2.8K Ratings

jjjjjjhhggff ,

Excellent Lending Company

I have to say that this is the absolute best best best lending company. The reason is because with Upgrade you get approved and they don’t take the credit limit back decrease the credit limit or do anything shady like that. I recall dealing with Chase and Discover and both banks decreased my credit line in fact one of them closed my card. This bank does not play games like that once your approvedOr preapproved it’s guaranteed so long as you can produce documents that they are requesting. With the Upgrade loan I hear $$$it’s transferred into your bank account within 24 hours and with the line of credit you receive your credit card 7 to 14 business days. Thank you Upgrade for being fantastic and having outstanding customer service appreciated customer

Chedsjjg3547 ,

Simply awesome!

Upgrade 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. Upgrade 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 Upgrade long ago. Their simplified lending practices all others should follow. Especially big banks. What a feeling ..Thank you!

Developer Response ,

We’re happy you’re enjoying your experience!

meursault68 ,

Customer service needs an upgrade

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.

App Privacy

The developer, Upgrade, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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