Upgrade Personal Loan - Experience, Docs?

[Anonymous]

Hello!  Has anyone had any experience with this personal loan provider?

Does anyone know what docs one must submit?

[FireMedic1]

Without knowing what your scores are and such. The fine print is spooky:

Personal loans made through Upgrade feature APRs of 5.94%-35.47%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly.

Paying interest and then another fee to get the loan. The "origination fee" is almost like car dealers do. Just add more to the price of the vehicle.

Look into local credit unions or your bank.

[Anonymous]

Thank you but that does not answer my question.

[Slowlyrebuilding]

Hi, I don't have a personal loan with them but I have the upgrade Visa card.

I was preapproved through credit karma. The preapproval was accurate. They asked me to upload a utility bill after I applied. It took at least week for them to finalize. 

[devilnic]

I have (soon to be gone) personal loan with them. My scores were around 670- 680. Was asked for DL, POI, POA the usual. They took about a 4 to 5 days to approve. Was somewhat easy process but my rate was 26.87% and was for only $7200 of which i only received $6700 after origination fee. 

I have since gotten a way better deal SDFCU that i shared in personal finance thread. But if your scores are so-so they might be the way to go.