Upgrade Personal Loans & Rewards Checking 2025 Review

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Key takeaways

Upgrade is a fintech company that offers a range of financial products, including personal loans and a rewards checking account.
Their personal loans have competitive interest rates and can be used for debt consolidation, home improvements, or other major expenses.
The Upgrade Rewards Checking account stands out for its lack of fees and cash-back rewards on everyday purchases.

Want a no-fee rewards checking account? Looking for an affordable personal loan but have bad credit? Upgrade may be the answer.

Upgrade is a fintech company that is best known for offering loans. Their personal loans have competitive interest rates and low credit requirements. Today, they offer a full range of banking products, including a Rewards Checking account. You can earn cash-back to the tune of 2% on debit card purchases, pay no monthly fee, and no overdraft fee. True, you’ll have to meet certain requirements to get the best rewards, but that’s the story with any bank.

Want to see if Upgrade is right for you? Check out our review below and find out if Upgrade’s products suit your needs.

What is Upgrade?

Upgrade is a financial technology company founded by Adelina Grozdanova and Renaud Laplanche in 2017. It started off with personal loans aimed at consumers looking to consolidate debt, make home improvements, or pay for a major expenses. The company now offers lines of credit, rewards checking accounts, high-yield savings accounts, and credit monitoring tools. If you’re comfortable with online and mobile banking, then its products can be a good low-cost choice.

Upgrade personal loan review

Upgrade is best known for its personal loans, and for good reason. Here’s a quick overview:

Loan amounts: $1,000 to $50,000
APR (Annual Percentage Rate): 8.49% to 35.99%, depending on your creditworthiness.
Loan terms: 24 to 84 months. Can go up to 7 years on home improvement loans of at least $30,000.
Fees: Origination fee: 1.85% to 9.99% (It is deducted from the loan proceeds.) Late Payment or Failed Payment Fee: $10. There are no prepayment penalties.
Time to funding: As fast as one business day after all verifications are completed.
Loan availability: Loans are available in all 50 states and Washington D.C.

Upgrade offers joint, secured, and unsecured loans. Secured personal loans require you to put up your car as collateral but offer lower interest rates. Joint loans require another applicant who is responsible for repaying the money. If you have poor credit, a secured loan or a joint loan can increase your chances of being approved. You are more likely to receive a larger amount, a lower interest rate, and better terms.

Best Fintech Loans

“Upgrade is a great financial company. The loan process is straightforward, secure and fast. The interest rates are reasonable depending on credit score and other factors. I highly recommend Upgrade.”

Rufus Murphy

April 1, 2025

Upgrade loan advantages

Multiple rate discounts

Upgrade offers various discounts on interest rates, which can make a considerable difference over the life of a loan. You can qualify for a discount in a number of different ways. Set up automatic payments. Use all or the majority of your loan to pay off an existing debt. Use your car as collateral for a secured loan. Open a Rewards Checking Account with Upgrade.

Fixed interest rates

Upgrade personal loans come with fixed interest rates, meaning your interest rate will remain the same throughout the life of your loan. Fixed rates make it easier to budget as your monthly payments remain the same.

Secured loans

You can get a secured loan with Upgrade. Adding collateral can help you qualify for a bigger loan and/or a better rate. The asset you put up reduces the risk for the lender. That is because if you default, the lender can seize your collateral, as in your car.

Joint loans

Applying with someone who has good to excellent credit can help you qualify for a bigger loan and/or a better rate. Both credit profiles are taken into account when you apply for a joint loan. Both applicants are responsible for repaying the money.

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Adjust the monthly payment date

It’s not always feasible to pay on the assigned due date. That’s why Upgrade lets you adjust when your payment is due within 15 days before or after your given date. Thanks to this feature, you can pay your loans when they’re due and avoid late fees.

Direct payment to creditors with debt consolidation loans

For individuals looking to consolidate debt, Upgrade is the way to go. The company streamlines the process by offering direct payment to creditors. This not only simplifies your finances but can also expedite the debt payoff process.

Great Online Loans!

“Easy to get a loan with Upgrade .I Like the rates! Installment plans! You can’t beat it!! It’s as Easy as 1,2,3! No hassle , just apply and boom! That easy ! Stress free! Thank you Upgrade for making my life easier and being there when I needed you the most!”

Veronica Ledesma

Dec 30, 2024

Check if you’re eligible & apply for a loan

What factors does Upgrade consider?

Eligibility for an Upgrade loan is based on several factors, including:

Credit score: The minimum credit score is 560, lower than for most lenders. A higher credit score generally means a lower interest rate.

Income: Upgrade considers your income to ensure you can afford the loan, but they do not have a set minimum. Besides a full-time job, you can put down alternative forms of income. These can include income from a partner, alimony, retirement, child support, and Social Security payments.

Credit history: You must have at least one credit account and a minimum of two years of credit history to qualify.

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Debt-to-income ratio: The maximum debt-to-income (DTI) ratio is 75%. That includes your mortgage and the loan you’re applying for.

To check your eligibility, you can visit Upgrade’s website and apply. The process only takes a few minutes. You’ll be able to see if you’re approved and check your rate, all without impacting your credit score.

What are Upgrade’s loan qualifications?

Upgrade has standard loan requirements. To qualify, you must:

Be a U.S. citizen, permanent resident, or living in the U.S. on a valid visa
Be at least 18 years old (19 in Alabama)
Have a verifiable bank account
Have a valid email address

How to apply for an Upgrade personal loan

Applying for a loan with Upgrade is straightforward:

1. Prequalify to check your rate: Fill out the form on Upgrade’s website. You’ll see the loan amount and rate you’re eligible for at no cost to you. The process does not impact your credit score since Upgrade only does a soft credit check. At this point you are under no obligation to take a loan if you don’t like the ones offered.

2. Choose your loan: Review your personal loan offers and choose the one that best suits your needs.

3. Complete the application: Provide additional details and documents to complete the application. You’ll need W-2s or pay stubs to verify your information. Upgrade now does a hard credit check, so your credit score may dip temporarily.

4. Await approval: Upgrade will review your application and may request additional documents. It typically takes one to three days to approve applications.

5. Receive funds: Once approved, the funds will be in your bank account within one business day.

Fast and Easy

“Always have an amazing experience using upgrade – got a loan to pay my daughter’s car and also to consolidate credit . Fast and easy! Will continue to use upgrade in the future.”

Whitney Raposo

Jan 1, 2025

Get Upgrade’s rewards checking account

Upgrade partnered with FDIC-insured Cross River Bank to offer a Rewards Checking account. The Rewards Checking account lets you earn cash-back with your debit card, has no monthly fees, and no minimum balance requirement. It is an excellent complement to Upgrade’s personal loan services. You can manage your finances on one site and easily earn cash-back rewards. Earn rewards when you use your debit card anywhere Visa is accepted.

To access its top-tier benefits, you must have an active account, meaning you add at least $1,000 in monthly direct deposits. If you qualify, you can get up to 2% cash-back on purchases, open a Performance Savings account with a 4.02% APY, and get up to 20% lower rate on your Upgrade personal loan.

Cash-back rewards

Earn up to 2% cash-back on everyday expenses from convenience and drug stores, gas stations, monthly subscriptions, restaurants, and utilities. You must have an active account to earn 2% cash-back. The maximum you can get is $500 per calendar year. If you have direct deposit, you can earn an unlimited 1% cash-back on everything. Even if you’re account isn’t considered active.

No fees

Online banks generally offer checking accounts with lower fees, and Upgrade is no exception. Upgrade’s Rewards Checking account comes with no monthly fees, no overdraft fees, and no minimum balance. The lack of fees can add up to significant savings.

Allpoint ATM Network

Upgrade is part of the Allpoint ATM network. You can access fee-free ATMs at over 55,000 locations.

Rate discounts

You can get a rate discount of up to 20% on a personal loan with Upgrade when you have a Rewards Checking account.

Early direct deposits

No matter how much money you deposit into your account monthly, you can get your direct deposit up to two days early with Upgrade. It’s easy to set up your direct deposit. Simply contact your payroll department to get started.

The Best Rewards Checking

“So far nothing but great things to say about upgrade. It is a simply to the point checking account with awesome cash back rewards that can’t be beat. Early direct deposit is a great feature! They offer other products too and the customer service is hands down the best and in today’s world that’s something you don’t find with most companies anymore! Great company!”

Joe O.

Jan 19, 2025

Pair with Performance Savings

Besides a Rewards Checking account, Upgrade offers a high-yield savings account called Performance Savings. If you have an active account and a monthly direct deposit of $1,000, you can get a 4.02% APY. For comparison, the national average for savings accounts has a 0.46% APY.

Save My Paycheck

Save My Paycheck puts savings on autopilot. When you turn this feature on, Upgrade automatically sends a portion of your paycheck into your Performance Savings account. Since the money is out of sight, out of mind, you are easily able to build up savings.

Bill Pay Guard

Never miss an important bill again. This feature monitors your linked accounts and automatically pulls money from savings to cover an upcoming bill. It prioritizes essential payments, gives you peace of mind, and helps you avoid late fees.

Frequently asked questions

1. Is Upgrade personal loans legit?

Upgrade’s personal loans are legitimate. Upgrade is a well-known financial technology company that has provided credit to millions of borrowers since its launch in 2017. It is has an A+ rating from the Better Business Bureau and earned the Best-of Awards 2024 and 2025 from NerdWallet.

2. Is Upgrade a good loan company?

Upgrade is considered a good loan company, especially for borrowers with fair to good credit. It offers fixed-rate personal loans with predictable monthly payments, and no prepayment penalties. Upgrade also provides credit-building tools and free credit monitoring.

3. How long does Upgrade take to approve a loan?

Upgrade typically provides loan approval decisions within minutes after submitting an application. Accept the offer and you will receive your money within one business day of clearing verifications.The exact timeline can vary.

Bottom line

Upgrade is a good choice if you want a personal loan with competitive interest rates, fast funding, and pre-approval. Or if you’re looking for a fee-free checking account that also offers cash-back rewards and early direct deposit. Take a look at what it has to offer, compare products, and choose the best option for you.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Paycheck Advance is an earned wage access service and is not a loan or credit product.

3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees. Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

6. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

7. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

8. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

9. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.

10. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.

11. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

12. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

13. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.

14. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

15. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.

16. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

17. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

18. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

20. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

22. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

23. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

24. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

25. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

26. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

27. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

28. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

29. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

30. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

31. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

32. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

33. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

34. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

35. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

36. Tipping or not tipping has no impact on your eligibility for SpotMe®.

37. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

38. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

39. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

40. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

41. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

42. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

Upgrade Personal Loans & Rewards Checking 2025 Review

Key takeaways

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