Rick Bormin, Personal Loans Moderator
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It takes 2 to 5 business days to get money from an Upgrade personal loan, in most cases. The Upgrade loan timeline includes around 1 day to get approved for an Upgrade loan and another 1 to 4 business days to receive the funds after approval. Keep in mind that this is a typical applicant's experience, and in some cases it could take longer.
How to Get Money From Upgrade as Fast as Possible
- Fill out the application carefully. You should make sure that all information you enter on the application is correct and complete. That will eliminate any potential delays from Upgrade having to request additional information.
- Check your credit report for errors. Before you apply, you should verify that everything on your credit report is accurate, as any incorrect negatives on there could impact your chances of approval. If you find any errors, you should dispute them right away to get them removed.
- Get your credit score above the minimum. Ideally, you should only apply for an Upgrade personal loan once your credit score exceeds the minimum requirement of 620. That will make it easier for Upgrade to decide whether you qualify, which could lead to a quicker decision.
- Apply online. Online applications have the fastest processing times since they are automated and streamlined.
Once you get approved for an Upgrade personal loan, the money will be delivered through an electronic funds transfer to your bank account, which usually takes 1 to 4 business days.
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