Upgrade
Founded Year
2016Stage
Series F | AliveTotal Raised
$550.5MValuation
$0000Last Raised
$280M | 4 yrs agoMosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
+38 points in the past 30 days
About Upgrade
Upgrade specializes in personal loans and credit card products. The company offers financial services including personal loans, credit card options, and savings accounts. Upgrade primarily serves individuals seeking solutions such as debt consolidation, home improvements, or major purchases. It was founded in 2016 and is based in San Francisco, California.
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ESPs containing Upgrade
The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.
The home improvement financing market encompasses a variety of financial solutions designed to fund home renovation, remodeling, or improvement projects. It offers homeowners the means to enhance the value, functionality, and aesthetics of their properties without depleting their savings. Home improvement financing solutions may include home equity loans, lines of credit, personal loans, or specia…
Upgrade named as Challenger among 12 other companies, including SoFi, LendingClub, and Prosper.
Upgrade's Products & Differentiators
Upgrade Card
Upgrade Card is the only credit card that is "good for you": it comes with low-cost credit and helps consumers pay down their balance faster
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Research containing Upgrade
Get data-driven expert analysis from the CB Insights Intelligence Unit.
CB Insights Intelligence Analysts have mentioned Upgrade in 2 CB Insights research briefs, most recently on Oct 3, 2023.
Oct 3, 2023 report
Fintech 100: The most promising fintech startups of 2023
Expert Collections containing Upgrade
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
Upgrade is included in 8 Expert Collections, including Unicorns- Billion Dollar Startups.
Unicorns- Billion Dollar Startups
1,277 items
Fintech 100
1,247 items
250 of the most promising private companies applying a mix of software and technology to transform the financial services industry.
Digital Lending
2,457 items
This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.
Payments
3,195 items
Companies in this collection provide technology that enables consumers and businesses to pay, collect, automate, and settle transfers of currency, both online and at the physical point-of-sale.
Tech IPO Pipeline
825 items
Future Unicorns 2019
50 items
Upgrade Patents
Upgrade has filed 4 patents.
The 3 most popular patent topics include:
- assisted reproductive technology
- battery charging
- battery electric cars
Application Date | Grant Date | Title | Related Topics | Status |
|---|---|---|---|---|
10/20/2022 | 9/17/2024 | Fertility medicine, Fertility, Assisted reproductive technology, Obstetrics, Semen | Grant |
Application Date | 10/20/2022 |
|---|---|
Grant Date | 9/17/2024 |
Title | |
Related Topics | Fertility medicine, Fertility, Assisted reproductive technology, Obstetrics, Semen |
Status | Grant |
Latest Upgrade News
Jun 30, 2025
How fintech Upgrade grew originations to $1B Upgrade’s dealer network grew by 60% to 1,600 since January Upgrade’s originations soared in the first half of the year as it expanded its dealer network and launched new services. Head of Auto Scott Raymer told Auto Finance News that the San Francisco-based fintech’s all-time originations surpassed $1 billion as of June 25. By comparison, Upgrade in 2024 originated $500 million in auto loans on […] Email address Auto Finance News Daily Newsletter The Week from Auto Finance News Capital & Funding News Alert Remember Me THIS WEBSITE USES COOKIES We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking “I CONSENT”, you consent to the use of ALL the cookies. . Privacy Overview This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience. Always Enabled Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously. Cookie session General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server. a64cedc0bf session General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server. CookieConsentPolicy cookielawinfo-checkbox-advertisement 1 year Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category . cookielawinfo-checkbox-analytics 11 months This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics". cookielawinfo-checkbox-functional 11 months The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". cookielawinfo-checkbox-necessary 11 months This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary". cookielawinfo-checkbox-others 11 months This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other. cookielawinfo-checkbox-performance 11 months This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance". crmcsr session General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server. JSESSIONID session The JSESSIONID cookie is used by New Relic to store a session identifier so that New Relic can monitor session counts for an application. LS_CSRF_TOKEN session Cloudflare sets this cookie to track users’ activities across multiple websites. It expires once the browser is closed. LSKey-c$CookieConsentPolicy _dc_gtm_UA-1038974-3 1 minute Used to help identify the visitors by either age, gender, or interests by DoubleClick - Google Tag Manager. _fbp 3 months This cookie is set by Facebook to display advertisements when either on Facebook or on a digital platform powered by Facebook advertising, after visiting the website. fr 3 months Facebook sets this cookie to show relevant advertisements to users by tracking user behaviour across the web, on sites that have Facebook pixel or Facebook social plugin. test_cookie 15 minutes The test_cookie is set by doubleclick.net and is used to determine if the user's browser supports cookies. VISITOR_INFO1_LIVE 5 months 27 days A cookie set by YouTube to measure bandwidth that determines whether the user gets the new or old player interface. YSC session YSC cookie is set by Youtube and is used to track the views of embedded videos on Youtube pages. yt-remote-connected-devices never yt-remote-device-id never yt.innertube::nextId never This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen. yt.innertube::requests never This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen.
Upgrade Frequently Asked Questions (FAQ)
When was Upgrade founded?
Upgrade was founded in 2016.
Where is Upgrade's headquarters?
Upgrade's headquarters is located at 275 Battery Street, San Francisco.
What is Upgrade's latest funding round?
Upgrade's latest funding round is Series F.
How much did Upgrade raise?
Upgrade raised a total of $550.5M.
Who are the investors of Upgrade?
Investors of Upgrade include VY Capital, Ribbit Capital, Sands Capital, Ventura Capital, DST Global and 19 more.
Who are Upgrade's competitors?
Competitors of Upgrade include Tala, Best Egg, Kissht, Prodigy Finance, Conductiv and 7 more.
What products does Upgrade offer?
Upgrade's products include Upgrade Card and 2 more.
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Compare Upgrade to Competitors
Tala provides digital financial services. The company offers a money app that facilitates access to credit, payments, savings, and transfers, utilizing artificial intelligence (AI) and machine learning to create financial experiences. Tala primarily serves individuals seeking services beyond traditional banking. It was founded in 2011 and is based in Santa Monica, California.
Branch International provides digital banking services. The company offers financial products including loans, money transfers, bill payments, investments, and savings, accessible through a smartphone app. Branch serves individuals in emerging markets. It was founded in 2015 and is based in Mumbai, India.
Prodigy Finance offers collateral-free loans for international master's students at various educational institutions. It provides co-signer and no co-signer loan options, focusing on terms and interest rates that relate to the borrower's future earning potential. It serves the education sector, allowing students from over 120 countries to study at universities globally. It was founded in 2007 and is based in London, United Kingdom.
Brighte is a financial services company that offers financing solutions for solar panels, energy-efficient home products, and electrification services, serving homeowners interested in sustainable energy technologies. It was founded in 2015 and is based in Sydney, Australia.
Kissht is a financial technology platform that provides personal and business loans. The company uses a digital loan process that requires no physical documentation, allowing for the disbursement of funds to customers' bank accounts. Kissht's services are aimed at consumers looking for financial solutions. It was founded in 2015 and is based in Mumbai, India.
Avant is a financial technology company that specializes in providing personal loans and credit cards. The company offers a range of financial solutions designed to help individuals manage their finances and achieve their personal goals. Avant primarily serves consumers looking for credit and loan products to support their financial needs. It was founded in 2012 and is based in Chicago, Illinois.
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