The minimum credit score that's likely needed for a loan through Upgrade is 620, which is considered fair credit, though many factors are taken into consideration when determining loan eligibility, including your credit usage and credit history. Borrowers with a limited credit history might opt to apply for a personal loan with a cosigner. If you choose to go this route, just keep in mind that Upgrade will consider both your credit report and your co-applicant's credit report and debt-to-income ratios when determining your eligibility for a loan. However, it does charge origination fees and can have higher-than-average APRs, so borrowers with excellent credit may find lower rates with another lender.