Pros No early payoff fees Loans up to $50,000 Fixed interest rates (no surprises) Can pay creditors directly (may take up to two weeks) Fast funding in as little as four days Cons Origination fee of up to 8% (deducted from your loan) Not available in Washington D.C. Why Upgrade is the best for financial literacy: Free credit score simulator to help you visualize how different scenarios and actions may impact your credit Charts that track your trends and credit health over time, helping you understand how certain financial choices affect your credit score Ability to sign up for free credit monitoring and weekly VantageScore updates Learn More View More Who's this for?