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Upgrade

Online and mobile banking experiences designed to deliver exceptional value

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Investment Highlights

<img decoding="async" class="tve_image wp-image-70 lazyload" alt="" data-id="70" width="34" data-init-width="34" height="34" data-init-height="34" title="" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/shape-6380243bea63e.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 34 / 34;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-70" alt="" data-id="70" width="34" data-init-width="34" height="34" data-init-height="34" title="" loading="lazy" src="https://www.primarymarkets.com/wp-content/uploads/2023/09/shape-6380243bea63e.svg" data-link-wrap="true" data-width="34" data-height="34" style="aspect-ratio: auto 34 / 34;">

In 5 years over 15 million people have applied for an Upgrade Card or loan & over US$15B in responsible credit

<img decoding="async" class="tve_image wp-image-70 lazyload" alt="" data-id="70" width="34" data-init-width="34" height="34" data-init-height="34" title="" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/shape-6380243bea63e.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 34 / 34;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-70" alt="" data-id="70" width="34" data-init-width="34" height="34" data-init-height="34" title="" loading="lazy" src="https://www.primarymarkets.com/wp-content/uploads/2023/09/shape-6380243bea63e.svg" data-link-wrap="true" data-width="34" data-height="34" style="aspect-ratio: auto 34 / 34;">

Signature Upgrade Card combines flexibility of a credit card with the low cost of an istallment loan

<img decoding="async" class="tve_image wp-image-70 lazyload" alt="" data-id="70" width="34" data-init-width="34" height="34" data-init-height="34" title="" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/shape-6380243bea63e.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 34 / 34;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-70" alt="" data-id="70" width="34" data-init-width="34" height="34" data-init-height="34" title="" loading="lazy" src="https://www.primarymarkets.com/wp-content/uploads/2023/09/shape-6380243bea63e.svg" data-link-wrap="true" data-width="34" data-height="34" style="aspect-ratio: auto 34 / 34;">

Helps customers make good financial decisions so they can build the future they want

Company Overview

Chip Enabled Contactless Upgrade Card

<img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="aspect-ratio: auto 37 / 37;">

Quick & Easy Process

Lower Rates on New Loans & Cards

No Fees

Upgrade’s banking experience is designed to deliver exceptional value, including affordable loans and cards.

Upgrade helps customers make good financial decisions so they can build the future they want.

In the last five years, over 15 million people have applied for an Upgrade Card or loan, and we have made over $15 billion in affordable and responsible credit available to our customers.

Flexibility with affordable plans

Our innovative Upgrade Card combines the flexibility of a credit card with the low cost of an installment loan.

Our latest offering, Rewards Checking, gives customers access to no-fee checking accounts with 2% cash-back rewards on common everyday spending.

Unicorns Companies on the PrimaryMarkets Platform

USA based Companies with an estimated market capitalisation in excess of US$1B

Trading in these securities entails compliance with USA regimes such as FINRA and SEC as well as possible ROFR (Right Of First Refusal) imposed by many Unicorns

All Traders must be Sophisticated, Professional, Institutional, Accredited Investors

Products & Services

<img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="aspect-ratio: auto 37 / 37;">

Personal Loans

Loans up to $50,000

<img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="aspect-ratio: auto 37 / 37;">

Upgrade Card

$200 bonus when opening a Rewards Checking account*

<img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="aspect-ratio: auto 37 / 37;">

Rewards Checking

No fees, 2% cash back, up to 20% lower than credit cards

<img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296 lazyload" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" data-src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="--smush-placeholder-width: 34px; --smush-placeholder-aspect-ratio: 34/34;aspect-ratio: auto 37 / 37;" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img decoding="async" class="tve_image wp-image-296" alt="" data-id="296" width="34" data-init-width="37" height="34" data-init-height="37" title="companyoverviewicon-02-2" loading="lazy" src="https://www.primarymarkets.com/wp-content/uploads/2023/09/companyoverviewicon-02-2-1.svg" data-link-wrap="true" data-width="34" data-height="34" style="aspect-ratio: auto 37 / 37;">

Auto Refinance

Lower Monthly Car Payment

Team

Management

Jeffrey Bogan

Co-Founder & Chief Financial Officer

Renaud Lapanche JD

Co-Founder & Chief Executive Officer

Visar Nimani

Co-Founder & Chief Technology Officer

Matt Wierman

Co-Founder & Head of Personal Loans

Adelina Grozdanova

Co-Founder & Head, Investment Group

Thomas Curran

Chief Compliance Officer

News

Credit card start-up Upgrade jumps 83% in valuation

Read more

Upgrade unveils cash back rewards programme

Read more

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