Best Upgrade Loan Apps

168+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated June 2026

Looking for free upgrade loan apps? 20 of our 168+ tracked titles are free to download โ€” no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Upgrade Loan

Upgrade - Mobile Banking#1

Upgrade - Mobile Banking by Upgrade, Incorporated

Rewards Checking, Loans, Cards
Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜(80K ratings)
Free
Upgrade - Mobile Banking screenshot 1
Upgrade - Mobile Banking screenshot 2
Upgrade - Mobile Banking screenshot 3
Upgrade - Mobile Banking screenshot 4
Upgrade - Mobile Banking screenshot 5
Upgrade - Mobile Banking screenshot 6

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

What We Love

  • ๐Ÿš€ Excellent, easy-to-use app
  • ๐Ÿ”’ Robust fraud prevention
  • ๐Ÿ’ฐ Competitive interest rates and rewards
  • ๐Ÿ‘ Seamless account management

Room to Improve

  • ๐Ÿ› Inconsistent account updates and transaction history
  • ๐Ÿค” Unclear policies around credit limit changes
  • โŒ Poor customer service and unresponsive to issues
Upstart: Personal Loans + More#2

Upstart: Personal Loans + More by Upstart Network, Inc.

Helping you borrow, better.
Strong Contender
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(36K ratings)
Free
#74in Finance
Upstart: Personal Loans + More screenshot 1
Upstart: Personal Loans + More screenshot 2
Upstart: Personal Loans + More screenshot 3
Upstart: Personal Loans + More screenshot 4
Upstart: Personal Loans + More screenshot 5

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

What We Love

  • ๐Ÿ‘ Easy to use
  • ๐Ÿ‘ Convenient app
  • ๐Ÿ‘ Quick loan approval
  • ๐Ÿš€ Fast loan disbursement

Room to Improve

  • ๐Ÿ› Login issues
  • ๐Ÿ’ฐ High interest rates
  • ๐Ÿ•ฐ๏ธ Slow payment processing

More Upgrade Loan apps to explore

4
Cash Advance & Borrow Guide
Cash Advance & Borrow Guide
Cash Advance & Borrow Guide
Money, Loan Terms & APR Tools
Free

This app provides educational resources and tools to help users understand borrowing money, compare loan terms, and manage their credit health. It offers articles on various loan types, an APR comparison tool, and a loan calculator for informed financial planning.

Educational articles on loan typesAPR comparison toolLoan calculator for payment estimation
๐Ÿ’ฐ Finance
(48)
free
5
OneMain
OneMain
OneMain
Personal & Auto Loans
Free

Manage your personal or auto loan on the go. Make payments, set up automatic payments, and receive paperless statements and alerts. You can also monitor your credit score and track your spending to potentially save money.

Make loan paymentsSet up AutoPaySign up for paperless statements
๐Ÿ’ฐ Finance
(80K)
free
6
LendingTree Spring
LendingTree Spring
LendingTree Spring
Loans, credit score and more
Free

Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.

Free credit score updates and alertsPersonalized saving insightsLoan and credit card shopping
๐Ÿ’ฐ Finance
(38K)
free with in-app purchases
7
CashAdvance Mobile - Loan options on the go
CashAdvance Mobile - Loan options on the go
CashAdvance Mobile - Loan options on the go
by IT MEDIA, INC.
Free

This app helps users find short-term loan options from a network of lenders to manage unexpected expenses. It allows users to review and accept or reject loan offers without penalty, and manage loan history within their account.

Find short-term loan optionsManage loan historyConnect with lender network
๐Ÿ’ฐ Finance
(9)
free
8
Together Loans
Together Loans
Together Loans
by Transform Credit Inc.
Free

This app offers a new approach to lending, providing loans based on trust rather than solely on credit history. It allows users to view their loan details, access statements, make secure payments, and apply to borrow more.

View loan detailsAccess statementsSecure payments
๐Ÿ’ฐ Finance
(112)
free
9
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
Cash Advance, Credit Cards
Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
๐Ÿ’ฐ Finance
(447K)
subscription
10
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
๐Ÿ’ฐ Finance
(248K)
subscription
11
OPay-Beyond Banking
OPay-Beyond Banking
OPay-Beyond Banking
by OPAY DIGITAL SERVICES PTE. LTD.
Free

This platform offers secure and fast financial services, including instant money transfers, bill payments, and airtime top-ups with bonuses. Users can also grow their savings with daily interest, access flexible loans, and get hassle-free debit cards. It provides a convenient way to manage finances and earn rewards.

Instant money transfersBill payments and airtime top-upsDaily interest on savings
๐Ÿ’ฐ Finance
(97K)
free
12
Loan Calculator - Loan2Me
Loan Calculator - Loan2Me
Loan Calculator - Loan2Me
Quick and Easy Loan Calculator
Free

This app helps you quickly calculate loan payments, affordability, and potential savings. It offers detailed amortization schedules and allows for scenario planning by adjusting loan parameters. Advanced features include expense breakdowns for mortgages and vehicle loans, plus data synchronization and custom report generation.

Calculate loan paymentsDetermine loan affordabilityAmortization schedule
๐Ÿ’ฐ Finance
(8.2K)
freemium
13
Snap Finance
Snap Finance
Snap Finance
No credit? Shop now, pay later
Free

Apply for lease-to-own financing up to $5,000 with no credit check required. Shop for furniture, electronics, and more, and pay later. Manage your lease, payments, and view transactions securely.

Apply for financing up to $5,000No credit check requiredShop for furniture, electronics, and more
๐Ÿ›๏ธ Shopping
(22K)
free
14
University Credit Union
University Credit Union
University Credit Union
by University Credit Union (CA)
Free

Manage your finances conveniently from your iPhone. Access account information, pay bills, transfer funds, and deposit checks securely. This app offers the freedom to bank on the go, providing a financial advantage.

Check account balancesView transaction historyMake loan and credit card payments
๐Ÿ’ผ Business
(4.5K)
free
15
Borrow
Borrow
Borrow
Track lent and borrowed items
Free

Easily track items you lend to or borrow from friends. Features over thirty categories and automatic reminders to ensure timely returns. Syncs data across all devices for convenient access.

Track lent and borrowed itemsOver 30 predefined categoriesAutomatic reminders
๐ŸŒŸ Lifestyle
(11)
free with in-app purchases
16
AscentConnect
AscentConnect
AscentConnect
Manage your Ascent loans
Free

Manage your student loans with ease. Apply for new loans, track your balance, and update billing information. Build healthy financial habits by making timely payments and exploring exclusive student benefits.

Apply for loansManage loan paymentsTrack loan balance
๐Ÿ’ฐ Finance
(267)
free with in-app purchases
17
USALLIANCE FCU
USALLIANCE FCU
USALLIANCE FCU
by USAlliance Federal Credit Union
Free

Manage your finances on the go with this mobile banking application. Access account details, pay bills, deposit checks, and monitor your credit score. Offers a wide range of financial products and services for members.

Check account balancesView transaction historyPay bills
๐Ÿ’ฐ Finance
(4.3K)
free
18
Tower Loan
Tower Loan
Tower Loan
by Tower Loan Company
Free

Easily manage your loan account with this mobile app. Check balances, make payments, view statements, and get important notifications. Access branch information and customer support conveniently.

Check balance and due dateMake and schedule paymentsView and download e-statements
๐Ÿ’ฐ Finance
(38)
free
19
QuickBucks
QuickBucks
QuickBucks
Access bank loan app
Free

Access bank loan app for instant loan applications. Offers various loan types including payday loans, salary advances, and personal loans. Available to both bank customers and non-customers.

Instant loan applicationsPayday loansSalary advance
๐Ÿ’ฐ Finance
(95)
free
20
Blend Loan Officer
Blend Loan Officer
Blend Loan Officer
View, Create, and Communicate
Free

Manage your loan pipeline and communicate with borrowers on the go. Create new loan applications, check status updates, pull credit, and sign documents from anywhere. Accelerate your workflow with this mobile tool.

Create new loan applicationsGet loan status updatesView existing applications
๐Ÿ’ผ Business
(23)
free