Upgrade has a similar maximum loan amount to CitiBank. Upgrade rate range starts at a lower APR, but the top end of the range is far higher. However, you can get a discount if you use autopay. Upgrade has a completely online application process, so it does offer a fast turnaround. You can receive approval and your funds within one business day. So, unless you are already a Citibank customer, Upgrade is a decent alternative.