SoFi Home Improvement Loan vs. Upgrade Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
Upgrade Home Improvement Loan
Upgrade
4.2
APR 8.49–35.99%. $1K–$50K. Accepts lower credit.
Full review →WealthSpott Verdict
SoFi Home Improvement Loan and Upgrade Home Improvement Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
SoFi Home Improvement
Upgrade Home Improvement
APR Range
8.99% – 25.81%
8.49% – 35.99% Best
Loan Amount
$5,000 – $100,000 Best
$1,000 – $50,000
Term Length
24–84 months
24–84 months
Origination Fee
None Best
1.85–9.99%
Min Credit Score
680+
560+ Best
Funding Speed
Same day to a few days
1 business day
SoFi Home Improvement Loan
Upgrade Home Improvement Loan
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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