{"name":"Upgrade","domain":"upgrade.com","url":"https://optimly.ai/brand/upgrade","is_claimed":false,"categories":["fintech-financial-services"],"headers":[{"header":"Overview","sections":[{"key":"short_description","label":"Tagline","shape":"text","content":"Upgrade is a financial technology company offering personal loans, credit cards, deposit accounts, mobile banking, and buy now, pay later payment products.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"description","label":"Description","shape":"text","content":"Upgrade helps consumers make smart financial decisions and reach goals through credit, mobile banking, and payment products designed to provide responsible options, help customers stay on track, and reward them along the way.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"}]},{"header":"Identity","sections":[{"key":"mission","label":"Mission","shape":"text","content":"To help people make smart financial decisions and reach their goals without becoming trapped by revolving credit card debt or hidden banking fees.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"website","label":"Website","shape":"text","content":"https://upgrade.com","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"voice_tone","label":"Voice & tone","shape":"text","content":"Encouraging, straightforward, consumer-focused, and responsible.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"headquarters","label":"Headquarters","shape":"text","content":"San Francisco, California","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"}]},{"header":"Offerings","sections":[{"key":"problem_solved","label":"Problem solved","shape":"text","content":"Upgrade addresses consumers’ needs for affordable and responsible access to credit, everyday banking, payments, debt consolidation, and rewards while helping them avoid revolving credit card debt and unexpected banking fees.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"core_capabilities","label":"Core capabilities","shape":"text","content":"Personal lending\nCredit cards\nDeposit accounts and savings\nMobile banking\nCash-back rewards\nBuy now, pay later payments\nDebt consolidation and credit card refinancing\nMobile app account management","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"products","label":"Products / SKUs","shape":"text","content":"Personal loans\nRewards Checking Preferred\nPremier Savings\nOneCard Essentials\nFlex Pay\nUpgrade app","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"pricing","label":"Pricing","shape":"text","content":"Personal loans are available up to $50,000 with fixed rates and predictable payments; personal loans have a 1.85% to 9.99% origination fee and no application fee or upfront loan fee. Premier Savings advertises 3.30% APY. Rewards Checking Preferred offers up to 2% cash back and no monthly maintenance fees. OneCard Essentials has no annual fee, offers 3% cash back on gas, groceries, streaming, and utilities and 1% on other purchases.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"}]},{"header":"Audience","sections":[{"key":"target_industry","label":"Target industry","shape":"text","content":"Financial services and fintech","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"customer_base","label":"Customer base","shape":"text","content":"8.5M+ customers; millions of families use an Upgrade card, personal loan, or deposit account.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"icp","label":"Ideal customer profile","shape":"text","content":"Individuals and families seeking personal loans, debt consolidation, everyday banking, savings, cash-back credit, or buy now, pay later payment options.","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"use_cases","label":"Use cases","shape":"text","content":"Credit card refinancing\nDebt consolidation\nHome improvement financing\nMajor purchases\nBusiness financing\nEveryday purchases and cash back\nSaving money\nEarly direct deposit","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"},{"key":"customer_outcomes","label":"Customer outcomes","shape":"text","content":"Access to personal loan funds within a day of clearing verifications\nFixed rates and predictable loan payments\nNo prepayment penalty on personal loans\nCash back on eligible checking and credit card purchases\nUp to two days early pay with direct deposit\nAccess to savings yield\nAbility to manage money through the Upgrade mobile app","source_type":"1p_website","source_label":"Brand's website","source_url":"https://upgrade.com","updated_at":"2026-11-07T06:44:44.104742+00:00"}]}],"last_refreshed_at":"2026-11-07T06:44:44.117032+00:00","last_changed_at":"2026-11-07T06:44:44.126508+00:00","claim_url":"https://app.optimly.ai/sign-up?claim=d9ff42ce-2a00-4d02-b3cd-c8577200fb00"}