Why should I be a part of Upswing?

Do you want a loan that recognizes your repayments with better rates and other perks? With on-time repayments on an Upswing personal loan, you make progress towards the features above, kind of like filling up a meter. And when you reach certain milestones, you get lower interest and the ability to defer payments.

See how a customer named Courtney can get her APR down to 149%.

Initial Draw

249% APR
10% Draw Fee

Courtney is approved for an initial credit limit and APR. She makes her minimum payments on time for six months.

After Six Months of On-Time Payments

239% APR
5% Draw Fee

Six months of on-time payments have earned her 10% off her APR and reduced her draw fee to 5% of the amount drawn. That means it costs less for her to borrow from her line of credit.


If she can't make a payment one month, it's no problem. She defers one payment to the end of her loan.


Eventually, Courtney's on-time payments can reduce her APR by a full 100 percentage points.

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