Upgrade Personal Loan

Upgrade accepts visa holders and permanent residents with credit scores as low as 580, making it the most accessible option for immigrants with limited credit history.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Lowest credit score requirement (580) among immigrant-friendly lenders ✓ Accepts passport or visa holders — not just green card ✓ Joint/co-borrower applications available
Representative APR Amount Term Type
7.74–35.99% $1k–$75k 24–84 mo personal
Best For

Immigrants with fair or bad credit who need flexible approval requirements, or newcomers applying with a US-based cosigner

Pros & Cons

Pros
  1. ✓ Lowest credit score requirement (580) among immigrant-friendly lenders
  2. ✓ Accepts passport or visa holders — not just green card
  3. ✓ Joint/co-borrower applications available
  4. ✓ Loans from $1,000 — low minimum for smaller needs
  5. ✓ Up to $75,000 for larger expenses
Cons
  1. ✗ Origination fee of 1.85% - 9.99%
  2. ✗ Higher APR ceiling (35.99%)
  3. ✗ SSN required for most applicants
  4. ✗ Origination fee deducted from loan proceeds

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