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Payday & personal loans

Upgrade payday & personal loans complaints

Consumers have filed 923 complaints about Upgrade's payday & personal loans, 291 in the last 12 months (+62%). Upgrade answered 100% on time and closed 2% with relief. See the whole Upgrade record.

Upgrade against other personal & payday lenders

#Company12 monthsChangeOn timeReliefAll time
1Affirm2,316+167%100%0%4,371
2Paramount GR904+262%99.8%0%1,538
3OneMain Financial765+18%100%7%3,344
4Klarna652+212%94%13%1,034
5Block (Cash App)447+213%96.2%2%702
6Enova (CashNetUSA, NetCredit)434+7%100%0%2,775
7CCF Intermediate388-18%99.7%8%1,368
8Upgrade291+62%100%2%923
9Upstart276+35%99.6%2%910
10SoFi276+57%100%10%563
11Truist274+37%99.6%11%958
12Uprova Credit257+118%100%0%466

Every lender ranked

Latest Upgrade payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
Oct 31, 2026Payday & personal loansGetting the loanCAFixedYes
Oct 30, 2026Payday & personal loansGetting the loanCAIn progressYes
Oct 29, 2026Payday & personal loansProblem with the payoff process at the end of the loanKSIn progressYes
Oct 29, 2026Payday & personal loansProblem when making paymentsCAIn progressYes
Oct 23, 2026Payday & personal loansProblem with additional add-on products or servicesOKIn progressYes
Oct 23, 2026Payday & personal loansProblem with the payoff process at the end of the loanFLIn progressYes
Oct 21, 2026Payday & personal loansProblem when making paymentsFLExplainedYes
Oct 20, 2026Payday & personal loansIncorrect information on your reportInformation belongs to someone elseVAExplainedYes
Oct 20, 2026Payday & personal loansCan't stop withdrawals from your bank accountCOIn progressYes
Oct 19, 2026Payday & personal loansProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportILExplainedYes
Oct 16, 2026Payday & personal loansProblem when making paymentsNJExplainedYes
Oct 15, 2026Payday & personal loansCharged fees or interest you didn't expectMNExplainedYes
Oct 15, 2026Payday & personal loansProblem when making paymentsVAExplainedYes
Oct 14, 2026Payday & personal loansReceived a loan you didn't apply forMOExplainedYes
Oct 12, 2026Payday & personal loansGetting the loanVAExplainedYes
Oct 7, 2026Payday & personal loansProblem when making paymentsTXExplainedYes
Oct 7, 2026Payday & personal loansGetting the loanNVIn progressYes
Oct 5, 2026Payday & personal loansProblem with the payoff process at the end of the loanSCExplainedYes
Oct 4, 2026Payday & personal loansGetting a line of creditGAExplainedYes
Oct 3, 2026Payday & personal loansProblem when making paymentsMOIn progressYes
Sep 29, 2026Payday & personal loansProblem with a company's investigation into an existing problemProblem with personal statement of disputeWAExplainedYes
Sep 28, 2026Payday & personal loansCharged fees or interest you didn't expectNYIn progressYes
Sep 26, 2026Payday & personal loansCan't stop withdrawals from your bank accountMIExplainedYes
Sep 25, 2026Payday & personal loansProblem with the payoff process at the end of the loanCAIn progressYes
Sep 24, 2026Payday & personal loansCharged fees or interest you didn't expectPAIn progressYes
Sep 23, 2026Payday & personal loansProblem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phoneUTExplainedYes
Sep 23, 2026Payday & personal loansProblem when making paymentsVAExplainedYes
Sep 22, 2026Payday & personal loansCharged fees or interest you didn't expectTXMoney backYes
Sep 22, 2026Payday & personal loansStruggling to pay your loanGAExplainedYes
Sep 22, 2026Payday & personal loansCharged fees or interest you didn't expectPAExplainedYes

Your rights with personal & payday lenders

You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.

Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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