Why should I be a part of Upswing?

Do you want a line of credit that recognizes your repayments with better rates and other perks? With on-time repayments on an Upswing line of credit, 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 reduced draw fees.

See how Joan can get her APR down to 149%

Initial Draw

249% APR

10% Draw Fee

Joan 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 reduced her APR by 10% and her draw fee to 5% of the amount drawn. That means it costs less for her to borrow from her line of credit.


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

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