Upgrade: Bankrate 2025 award winner for first-in-class customer experience
- Funds may be available within one business day
- Sends debt consolidation loan funds directly to creditors
- Flexible loan amounts of $1,000 to $50,000
- Origination fees of up to 9.99%
- Higher minimum credit score than other bad credit lenders
- High APRs compared to some competitors
Borrowers with low scores due to maxed-out credit cards may qualify for an Upgrade debt consolidation loan, putting them on track for a better credit score future. While several lenders we reviewed offer loans to fair credit borrowers, most don't offer terms as long as 84 months. It's also a good fit for people with busy work schedules, with access to customer service every day of the week.