The Upgrade Fair Credit is a personal loan from Upgrade. The annual fee is $0. The ongoing APR is 7.74%-35.99%. Approval typically requires a credit score of 560 or higher. Typical credit limit: $1,000 to $50,000. Funding speed: within 1 business day of clearing verifications. Loan terms: Fixed-term installment loan, terms 24 to 84 months. This product reports activity to your personal credit report. Rewards checking account with rate discount. Origination fee 1.85%-9.99%. Direct creditor payment option. Terms 2-7 years.