Upgrade: Best for buying boat accessories
- Option to add a co-borrower
- Perks like credit monitoring and seven-day-a-week customer service
- Low credit score minimum and flexible repayment terms
- Fees up to almost 10 percent
- Qualifying requirements not disclosed on website
- High APR maximum
Upgrade’s small loan amount minimum makes it a good choice for buying accessories, from waterproof first-aid kits to fish finders and boat grills. It caters to borrowers with fair credit and offers rate discounts for borrowers who qualify — plus, there are joint and secured loan options.