Upgrade, Inc. operates a mobile-first financial technology platform that provides consumers with installment cards, personal loans, and cash back accounts. Founded in 2016 and headquartered in San Francisco, the company differentiates itself by combining traditional credit products with modern digital banking features, offering transparent pricing and flexible repayment options. Upgrade has positioned itself as an alternative to traditional credit cards by emphasizing installment-based lending that helps consumers manage debt more effectively. The company continues to expand its product suite and customer base, focusing on delivering comprehensive financial services through its streamlined mobile platform to underserved consumer segments.