Upgrade: Bankrate 2025 award winner for first-in-class customer experience
- Low minimum loan amount
- Allows joint applications
- Rate discount for checking account customers
- Origination fee
- Late fee and returned check fee
- High APR cap
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.