Upgrade, Inc.

About Upgrade, Inc.

Upgrade is a financial technology company focused on providing affordable personal loans, credit cards, checking and savings accounts, and other financial products. Their mission is to help customers achieve financial goals with fast funding, fixed rates, and predictable payments.

Products & Services

Personal Loans:Offers loans up to $50,000 with low, fixed rates for purposes like debt consolidation, home improvement, and major purchases, with fast funding within a day of verification.

Upgrade Cards:Includes various cards like Cash Rewards, Life Rewards, and Upgrade Select, offering up to 3% cash back on purchases with specific conditions.

Upgrade OneCard:A card allowing users to choose between Pay Now (no interest) or Pay Later options, with up to 3% cash back on everyday purchases and no annual fee.

Rewards Checking Preferred:A checking account with up to 2% cash back on eligible purchases, no monthly fees, and early direct deposit options.

Premier Savings:A savings account offering up to 3.42% APY for active accounts with specific direct deposit requirements.

Flex Pay:A Buy Now, Pay Later service for travel and retail purchases, allowing payments to be spread over manageable monthly installments.

Credit Health Monitoring:Tools and insights to help users monitor and improve their credit health.

Personal Loans

Rewards Checking Preferred

Upgrade Life Rewards Card

Upgrade Cash Rewards Card

Flex Pay (Buy Now Pay Later)

Premier Savings

Specialties

Personal Loans Credit Cards Buy Now Pay Later Solutions Rewards Checking Savings Accounts Credit Health Monitoring Fixed-rate personal loans Cash back rewards Fast funding Travel and retail BNPL

Funding History

Debug: View Raw Funding Data

#	Type	Amount Fields	Date Fields	Investors
1	RT: Debt T: - FT: Debt	A: 250000000 MR: - FA: $250 million FAN: 250000000	D: 2026-02-10 FD: 2026-02-10	1 investors
2	RT: Series G T: - FT: Series G	A: 165000000 MR: - FA: $165 million FAN: 165000000	D: 2025-10-16 FD: 2025-10-16	4 investors

Debt Latest

2026-02-10

$250.0M

1 investor (Pro only)

Series G 2025-10-16

$165.0M

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Growth Metrics

+45%

Employee Growth

YoY

3.2x

Funding Growth

Last Round

12

Markets

Operating

10K+

Customers

Active

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Mock Up

Team & Leadership

R

Renaud Laplanche

Co-founder Chief Executive Officer

T

Thomas Curran

Chief Risk Officer

A

Adelina Grozdanova

Co-founder Head of Investor Group

J

Jeff Bogan

Co-founder Chief Finance Officer

V

Visar Nimani

Co-founder Chief Information Officer

M

Myles Reaz

Chief Credit Officer

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Recent News

Upgrade, Inc. Announces New Product Launch

2 days ago

Company unveils innovative solution to transform the industry, expanding market reach and capabilities...

Leadership Team Expands with Industry Veteran

1 week ago

New executive brings 20+ years of experience to accelerate growth and strategic initiatives...

Company Recognized as Industry Leader

2 weeks ago

Receives prestigious award for innovation and customer satisfaction in competitive market...

Key Competitors

C1

Competitor Alpha

Series B · $50M raised

C2

Competitor Beta

Series C · $120M raised

C3

Competitor Gamma

Series A · $25M raised

C4

Competitor Delta

Seed · $10M raised