SoFi Personal 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 Personal 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 Personal Loan
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
1 business day
SoFi Personal Loan
Pros
- No origination or prepayment fees
- No origination or prepayment fees
- Unemployment protection available
- Unemployment protection available
- Fast online application
- Fast online application
Cons
- Good credit typically required
- Good credit typically required
- Not available in all states
- Not available in all states
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
Not sure which loan is right for you?
Browse all loans