Upgrade, Inc. is an American neobank founded in 2016 by Renaud Laplanche and his former colleagues from LendingClub. Based in San Francisco, California, the company also has operations in Phoenix, Arizona, a technology center in Montreal, Canada, and regional offices in Atlanta and Irvine.

Upgrade specializes in consumer credit and banking products aimed at providing affordable and responsible credit options. Its offerings include fixed-rate credit cards that allow for installment payments, personal loans for financing purchases or consolidating debt, and credit monitoring tools to help customers manage their financial health. The company emphasizes transparency and rewards in its mobile banking and payment products. With over $40 billion in consumer credit made available, Upgrade serves a wide range of customers and partners with over 200 financial institutions to enhance its marketplace lending platform.