Upstart 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
Upstart Personal Loan wins on more measurable categories — particularly on rate and cost. Upgrade Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
Upstart Personal Loan
Upgrade Home Improvement
APR Range
6.40% – 35.99% Best
8.49% – 35.99%
Loan Amount
$1,000 – $50,000
$1,000 – $50,000
Term Length
36–60 months
24–84 months
Origination Fee
0–12% of loan amount
1.85–9.99% Best
Min Credit Score
300+ Best
560+
Funding Speed
1 business day
1 business day
Upstart Personal Loan
Pros
- Considers education and job history
- Considers education and job history
- May approve fair credit
- May approve fair credit
- Fast 1-day funding
- Fast 1-day funding
Cons
- APR can be high for some
- APR can be high for some
- Origination fee possible
- Origination fee possible
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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