I was "pre-approved" with the loan requestedThe information given from my end was correct and shown through bank statements, I even offered to get bank statements for the past two yearsThe two year requirement, by the way, was not put on any part of their disclosures before requesting the line And being that I was pre-approved, who would have thought There was no disclaimer (or certainly no obvious lettering saying that you can only do proven income by tax statements or pay stubs) on their page saying I had to provide 1099s for one of my jobs and then they needed them for the prior two yearsNormally I would not give a company a bad rating, but I feel bated into the loan This hard inquiry lowered my credit score almost points and the ONLY reason I applied for the loan was due to the pre-approvalThe loan amount was not even that large and the interest rate was extremely highThe man who talked with me was nice, initiallyThen when he had to turn me down ONLY because I could not provide 1099s he became, probably, embarrassed and was rather terse when I asked to speak to someone who could helpI even said "Don't worry, I won't give you a bad rating I will give you a good one, I am not mad at you, I am mad at the lack of openness" (Or something along those lines)After that he had to be honest with me, I guessThis made me rather upset I explained why I did not want to reapply for the loan without including the income from the 1099s, but he said that's the only way they could do itSo, I am upset with them because they took away points from my credit score (on which I was working very hard to improve) by essentially bating me, and apparently cannot resolve itSo my credit went down and the chances of getting approved through a better company is not thereBy the way, I pay everything on time and ahead of schedule so they lost out on quite a bit of money from their inflated interest rates
Very quick approval process One issue though, the Experion credit score I had on Credit Karma was not the score the score they used to determine my interest rate They used something that was points lower Cannot get a direct answer from anyone involved at UPGRADE, Credit Karma or Experion about where they obtained itI still got a pretty good rate but I feel it should have been better
Once I decided that I wanted to consolidate all my bills from Within five minutes of going online with Linden treeI was approved with in five minutesby upgrade I also use another company to consolidate my bills two years ago and have an account with them and pay them every month on time was denied a consolidation loan therefore this year other company will be paid off also and I will never do business with them again thanks lending tree and thanks upgrade
After trying to get a small business loan with several lenders having to submit all types of of documents, tax return proof of income etc.,,, I contacted Upgrade from an email they sentFilled out application and e-signed itless than days later they sent confirmation that I had been approved and shortly after that after sending them bank info I received my loan fully funded and deposited directly into my accountIt was the simplest loan and approved strictly on my credit scores and payment historyThank you Upgrade for believing in me and trusting me.I would and have recommended this company to every one I know
Over the past two years upgrade has mail pre approval notices for loansThey advertise that checking your rate doesn't affect your credit scoreAfter two years of being solicited I finally calledI was told about the services and was assured that only a soft credit pull would be doneThe web advertises that decisions are made in minutesThis was a lieWeeks went by and first they asked for pay stubsI sent the two most recent as asked and then they asked for and tax returnsI sent those alsoWithout my consent they did a hard pullThis is predatory lending/marketing and needs to be addressesThe process was not transparent and things were done without consent I never authorized a hard credit pullI deal with lending club and other lenders so I understand the process but have never seen anything ie this
Honestly, the easiest and most convenient process for a personal loanThe online portal makes every step clear and the information it's updated very quickly so you don't have to wonder on any statusLast but not least, the speed in which my personal loan was approved and deposited directly in my account was beyond my expectations
Got preapproval beginning of JulyUploaded some documents but not allDecided to continue with the loan uploaded the documents they requestedThey requested a lotConnected a bank account to be able to receive loan as well as pay by draft automatically each monthAddress changedWas told I had to change it with my bank since it wasn’t on my credit reportChanged it immediately with my bankOn Monday July did way call with bank to confirm addressThen he decided to ask how long account was openI was not aware that was a requirementHang up all is goodGet email all docs completedNext day required to submit a utility bill...with new addressSubmitted this document several timesCalled Tuesday and expressed frustrations with their processYoung lady confirmed receipt and all was wellLater on Tuesday I got the approval and funding to happen soonWednesday got a call from ***...assumed he was my loan officerHe asked me if I received a loan in last days...answ
I was extremely happy with service of Upgrade FinancialThey were extremely user friendlyThey were very prompt in fulfilling my requestWhen they said my money would be in the bank it wasI would definitely use them again and I would recommend them to family and friends
I was "pre-approved" with the loan requestedThe information given from my end was correct and shown through bank statements, I even offered to get bank statements for the past two yearsThe two year requirement, by the way, was not put on any part of their disclosures before requesting the line And being that I was pre-approved, who would have thought There was no disclaimer (or certainly no obvious lettering saying that you can only do proven income by tax statements or pay stubs) on their page saying I had to provide 1099s for one of my jobs and then they needed them for the prior two yearsNormally I would not give a company a bad rating, but I feel bated into the loan This hard inquiry lowered my credit score almost points and the ONLY reason I applied for the loan was due to the pre-approvalThe loan amount was not even that large and the interest rate was extremely highThe man who talked with me was nice, initiallyThen when he had to turn me down ONLY because I could not provide 1099s he became, probably, embarrassed and was rather terse when I asked to speak to someone who could helpI even said "Don't worry, I won't give you a bad rating I will give you a good one, I am not mad at you, I am mad at the lack of openness" (Or something along those lines)After that he had to be honest with me, I guessThis made me rather upset I explained why I did not want to reapply for the loan without including the income from the 1099s, but he said that's the only way they could do itSo, I am upset with them because they took away points from my credit score (on which I was working very hard to improve) by essentially bating me, and apparently cannot resolve itSo my credit went down and the chances of getting approved through a better company is not thereBy the way, I pay everything on time and ahead of schedule so they lost out on quite a bit of money from their inflated interest rates
Quick and easy to do a debt consolidation loan
Pretty quick, overallI liked how modern and quick it was to use the email site e.guploading documents with instant replies
Very quick approval process One issue though, the Experion credit score I had on Credit Karma was not the score the score they used to determine my interest rate They used something that was points lower Cannot get a direct answer from anyone involved at UPGRADE, Credit Karma or Experion about where they obtained itI still got a pretty good rate but I feel it should have been better
my experience was good over all the process was very easy and very quick the people helping me were personable and helpful
This company was a pleasure to deal with, quick response...positive attitudeIt has been a pleasure to work with them and I truly trust them
Very very nice and helpful
Very quick and professionalrecommend to anyone
Once I decided that I wanted to consolidate all my bills from Within five minutes of going online with Linden treeI was approved with in five minutesby upgrade I also use another company to consolidate my bills two years ago and have an account with them and pay them every month on time was denied a consolidation loan therefore this year other company will be paid off also and I will never do business with them again thanks lending tree and thanks upgrade
My loan was handled in a very timely mannerThe customer service personnel and emails kept me on track
Using upgrade was very quick and easy, their online application and then use for payments is very simple My overall experience was fantastic
Very simple and quick
After trying to get a small business loan with several lenders having to submit all types of of documents, tax return proof of income etc.,,, I contacted Upgrade from an email they sentFilled out application and e-signed itless than days later they sent confirmation that I had been approved and shortly after that after sending them bank info I received my loan fully funded and deposited directly into my accountIt was the simplest loan and approved strictly on my credit scores and payment historyThank you Upgrade for believing in me and trusting me.I would and have recommended this company to every one I know
Over the past two years upgrade has mail pre approval notices for loansThey advertise that checking your rate doesn't affect your credit scoreAfter two years of being solicited I finally calledI was told about the services and was assured that only a soft credit pull would be doneThe web advertises that decisions are made in minutesThis was a lieWeeks went by and first they asked for pay stubsI sent the two most recent as asked and then they asked for and tax returnsI sent those alsoWithout my consent they did a hard pullThis is predatory lending/marketing and needs to be addressesThe process was not transparent and things were done without consent I never authorized a hard credit pullI deal with lending club and other lenders so I understand the process but have never seen anything ie this
No problem really ez
Honestly, the easiest and most convenient process for a personal loanThe online portal makes every step clear and the information it's updated very quickly so you don't have to wonder on any statusLast but not least, the speed in which my personal loan was approved and deposited directly in my account was beyond my expectations
Got preapproval beginning of JulyUploaded some documents but not allDecided to continue with the loan uploaded the documents they requestedThey requested a lotConnected a bank account to be able to receive loan as well as pay by draft automatically each monthAddress changedWas told I had to change it with my bank since it wasn’t on my credit reportChanged it immediately with my bankOn Monday July did way call with bank to confirm addressThen he decided to ask how long account was openI was not aware that was a requirementHang up all is goodGet email all docs completedNext day required to submit a utility bill...with new addressSubmitted this document several timesCalled Tuesday and expressed frustrations with their processYoung lady confirmed receipt and all was wellLater on Tuesday I got the approval and funding to happen soonWednesday got a call from ***...assumed he was my loan officerHe asked me if I received a loan in last days...answ
This company is a five star companyThey are very professional and a joy to work withWe will use them again and would highly recommend them
My income has doubled almost and you still wouldn't give me a loan
I was extremely happy with service of Upgrade FinancialThey were extremely user friendlyThey were very prompt in fulfilling my requestWhen they said my money would be in the bank it wasI would definitely use them again and I would recommend them to family and friends