Upgrade.com (Domain) Investigation & Evidence Report

Upgrade.com is a well-trafficked personal loan provider based in San Francisco, offering fixed-rate loans up to $50,000 with no prepayment penalties. It ranks around #14,000 globally with about 3.3 million monthly visits primarily from the US. Its website employs reputable technologies including Akamai and Amazon hosting, and supports secure payment options such as Apple Pay and Stripe. Upgrade, Inc. has multiple verified contact emails and phone numbers on their site, demonstrating transparency. The domain is securely managed with Whois data showing it is registered through GoDaddy.com since the 1990s, and SSL certificates are valid through late 2026. It is not listed on crypto scam or phishing blacklists, enhancing trust. User reviews on Google Places average 4.8/5 from over 10,000 ratings, reflecting generally positive customer sentiment. Recent news highlights include significant funding rounds valuing the company above $3 billion and a series of loan acquisition agreements. However, the Better Business Bureau reports over 1,200 complaints in the last 3 years, primarily about refund delays, credit reporting inaccuracies, and customer service issues. There are no major lawsuits or regulatory sanctions found, but the complaints suggest some service challenges and disputed credit matters. Overall, upgrade.com is a legitimate fintech loan platform with broad adoption and strong infrastructure, but with noted customer service concerns to consider.