7 Loans Like Upgrade for Fair Credit Borrowing in 2026

• Not available in: Iowa, Vermont, West Virginia

• Why we like it

  Best Egg gets rave reviews from customers. It also has relatively low rates from 6.99% to 35.99% and fees that are lower than Upgrade — but not the lowest available. It accepts fair credit, though you'll need a 640 credit score to qualify. And you're limited to loans from $2,000 to $35,000.

• Pros and cons

  Pros

  • Stellar customer reviews
  • Low APRs from 6.99% to 35.99%
  • Accepts some fair credit borrowers

  Cons

  • Origination fee as high as 9.99%
  • Limited range of loan amounts

• More details

  Loan amount	$2,000 to $100,000
  APR	6.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as the next business day
  Loan Term	3 to 5 years

• Partner terms and conditions

  *Trustpilot TrustScore as of April 2025. Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender, Column N.A., Member FDIC, Equal Housing Lender, or Blue Ridge Bank, N.A., Member FDIC, Equal Housing Lender. The term, amount, and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. Your loan agreement will contain specific terms and conditions. About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days. The timing of available funds upon loan approval may vary depending upon your bank’s policies. Loan amounts range from $2,000– $50,000. Residents of Massachusetts have a minimum loan amount of $6,500 ; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Annual Percentage Rates (APRs) range from 6.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%– 9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4-years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5‐year $10,000 loan with 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3‐year $5,000 loan with 7.99% APR has 36 scheduled monthly payments of $155.12. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, the District of Columbia, or U.S. Territories. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL– Operations Manager, Email: crt-resolutions@bestegg.com, Address: P.O. Box 42912, Philadelphia, PA 19101, Phone: 1-855-282-6353. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/

• Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

• Why we like it

  Both Upstart and Upgrade work with borrowers who have fair credit and offer similar rates and fees. The main difference is that Upstart is a little more expensive and can accept lower credit scores, depending on where you live. But if you've never taken out a loan before, you may find a better deal with this provider than upgrade. This online lender looks at your career and education when you apply for a loan.

• Pros and cons

  Pros

  • Holistic underwriting that factors in education and career
  • Loans as low as $1,000

  Cons

  • Origination fee up to 8%

• More details

  Loan amount	$1,000 to $75,000
  APR	6.20%–35.99% (includes any origination fee)
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the next business day
  Loan Term	3 or 5 years

• Available in: Alabama, Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Ohio, South Carolina, Tennessee, Texas, Utah, Wisconsin

• Why we like it

  Integra Credit specializes in financing for bad credit borrowers, similar to NetCredit. Its installment loans range from $500 to $3,000 with between 10 and 21 months to repay the funds. These are more costly than Upgrade's personal loans, with rates ranging from 149% to 399%. And while the short loan terms and lack of prepayment penalties can help you save on the high interest rate, it also means your monthly payment might be higher than it would be with Upgrade. Integra only serves some states, so check to make sure it's available where you live before you apply.

• Pros and cons

  Pros

  • Accepts bad credit
  • No prepayment penalties
  • Fully online application

  Cons

  • Higher APRs than NetCredit
  • Not available in all states
  • No terms over 24 months

• More details

  Loan amount	$500 - $3,000
  Interest rate type	Fixed
  APR	149% to 399%
  Loan Term	10 to 21 months
  Turnaround time	Within minutes

• Not available in: Nevada, West Virginia

• Why we like it

  This online lender accepts credit scores as low as 585 with relatively low fees compared to Upgrade. It offers the option for bimonthly repayments to fit your pay schedule, which can help you stay on track. The maximum loan is only $36,500 — but you may struggle to qualify for a higher amount before building up your credit score.

• Pros and cons

  Pros

  • Accepts credit scores
  • Maximum origination fee of 10%
  • Bimonthly payment option

  Cons

  • High starting APR of 7.99%
  • No loans over $36,500
  • Payments every 28 days

• More details

  Loan amount	$2,000 to $36,500
  APR	7.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not stated
  Turnaround Time	As soon as 1 business day
  Loan Term	2 to 5 years

Avant has a low credit score requirement of around 550 to 580, and is one of the few lenders that accepts self-employed income. Upgrade's credit score requirement is higher at 620.

But Avant's rates are slightly higher than Upgrade, starting at 9.95%. However, Avant's administrative fee caps at 4.75%, and Upstart's origination fee can be as high as 8.99%. These fees are deducted from your loan before delivery. But Avant's maximum loan amount is much lower than Upgrade's, maxing out at only $35,000.

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• Why we like it

  Avant has a low credit score requirement of around 550 to 580, and is one of the few lenders that accepts self-employed income. Upgrade's credit score requirement is higher at 620.

  But Avant's rates are slightly higher than Upgrade, starting at 9.95%. However, Avant's administrative fee caps at 4.75%, and Upstart's origination fee can be as high as 8.99%. These fees are deducted from your loan before delivery. But Avant's maximum loan amount is much lower than Upgrade's, maxing out at only $35,000.

• Pros and cons

  Pros

  • Similar rates to Upgrade
  • Accepts self-employment income
  • Lower credit score requirement than Upgrade

  Cons

  • Administrative fee of 4.75%
  • Lower max loan amount than Upgrade

• More details

  Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

• Partner terms and conditions

  Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.

• Not available in: Iowa, North Dakota, West Virginia

• Why we like it

  Prosper is a peer-to-peer platform that accepts people with relatively high debt-to-income ratios (DTI). Where most lenders require a DTI of 43% or below, Propser will go as high as 50%. This makes it a good option for debt consolidation. But its origination fee starts at a high 2.41%. And you must have a 640 credit score or higher.

• Pros and cons

  Pros

  • Accepts DTI as high as 50%
  • Some fair credit borrowers qualify
  • Special medical financing program

  Cons

  • Origination fee starts at 2.41%
  • Turnaround of up to 5 business days

• More details

  Loan amount	$2,000 to $50,000
  APR	8.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as 1 business day
  Loan Term	2 to 5 years

Achieve (formally FreedomPlus) is one of the few personal loan providers that accepts cosigners and coapplicants — most lenders don't allow cosigners on unsecured personal loans. Additionally, Achieve offers a rate discount up to 6% if you bring along a joint applicant. If you're consolidating debt and allow Achieve to send at least 85% of your loan funds directly to your creditors for debt consolidation, you may get an additional rate discount up to 4%.

Rates range from 6.25% to 35.99% — the maximum rate is much lower than Upstart's 35.97%. And if you bring a cosigner or coappliant, you may qualify for a better APR or loan terms overall. Achieve's origination fee is lower, ranging from 1.99% to 8.99%. But Achieve is unavailable in 11 states, and Upgrade is available everywhere except Iowa, West Virginia and Washington D.C.

• Available in: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington

• Why we like it

  Achieve (formally FreedomPlus) is one of the few personal loan providers that accepts cosigners and coapplicants — most lenders don't allow cosigners on unsecured personal loans. Additionally, Achieve offers a rate discount up to 6% if you bring along a joint applicant. If you're consolidating debt and allow Achieve to send at least 85% of your loan funds directly to your creditors for debt consolidation, you may get an additional rate discount up to 4%.

  Rates range from 6.25% to 35.99% — the maximum rate is much lower than Upstart's 35.97%. And if you bring a cosigner or coappliant, you may qualify for a better APR or loan terms overall. Achieve's origination fee is lower, ranging from 1.99% to 8.99%. But Achieve is unavailable in 11 states, and Upgrade is available everywhere except Iowa, West Virginia and Washington D.C.

• Pros and cons

  Pros

  • Accepts cosigners and joint applicants
  • Lower max rate than Upstart
  • Lower origination fee than Upstart
  • Rate discounts for coapplicants and debt consolidation

  Cons

  • No autopay discount
  • Not available in 11 states

• More details

  Loan amount	$5,000 to $50,000
  APR	6.25% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as same business day
  Loan Term	24 to 60 months