Upgrade Home Improvement Loan
Upgrade
4.2
8.49%–35.99% APR$1,000–$50,000Fee: 1.85–9.99%Min credit: 560+
APR Range
8.49%–35.99%
Loan Amount
$1,000–$50,000
Term
24–84 mo
Origination Fee
1.85–9.99%
Our take
Upgrade accepts credit scores as low as 560 and can pay contractors directly. Good option when other lenders decline.
Pros and cons
Pros
- +Accepts lower credit scores
- +Accepts lower credit scores
- +Fast approval
- +Fast approval
- +Direct contractor payments
- +Direct contractor payments
Cons
- −Higher origination fee
- −Higher origination fee
- −APR can be high
- −APR can be high
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Full details
| Minimum loan amount | $1,000 |
| Maximum loan amount | $50,000 |
| Lowest APR | 8.49% |
| Highest APR | 35.99% |
| Shortest term | 24 months |
| Longest term | 84 months |
| Origination fee | 1.85–9.99% |
| Minimum credit score | 560+ |
| Funding speed | 1 business day |
Frequently asked questions
What is the APR range for Upgrade Home Improvement Loan?
Upgrade Home Improvement Loan offers APR from 8.49% to 35.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Upgrade Home Improvement Loan?
Loan amounts range from $1,000 to $50,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for Upgrade Home Improvement Loan?
A minimum credit score of 560 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does Upgrade Home Improvement Loan charge an origination fee?
Yes, Upgrade Home Improvement Loan charges an origination fee of 1.85–9.99%. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with Upgrade Home Improvement Loan?
Upgrade Home Improvement Loan typically funds loans within 1 business day. Actual funding time may vary based on verification requirements and your bank.
Is Upgrade Home Improvement Loan worth it?
Upgrade accepts credit scores as low as 560 and can pay contractors directly. Good option when other lenders decline.
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Verified Apr 2026
Upgrade Home Improvement Loan