Upgrade, Inc.

Upgrade Card has been named one of WalletHub's Best Credit Cards! This recognition reflects our commitment to helping customers achieve their financial goals with products designed to help them manage everyday expenses and get rewarded along the way.

Winter conferences season is upon us and clearly Phil Goldfeder is not hiding his enthusiasm for #Utah in February! Before we let him hit the slopes, Phil will be joining the mainstage with Renaud Laplanche, Co-Founder and CEO of our member Upgrade, Inc. for an exciting conversation about the evolution of online lending and fintech! Special thanks to the great Ryan Christiansen and The University of Utah Fintech Center for this great event and the opportunity to join with so many of our members and the biggest names in #Fintech! To clear up any confusion: conference season begins in January and ends in December, don’t let anyone tell you different!

Looking forward to welcoming Renaud Laplanche to the Fintech Retreat this January. Renaud has built companies across multiple fintech cycles — from co-founding LendingClub to leading Upgrade, Inc.— and brings a rare operator’s perspective on scale, credit, and long-term execution. Fintech Retreat is designed for conversations that don’t happen on stages. Having Renaud in the room means candid dialogue about building category defining companies and how leaders adapt when the market shifts. January 25–26 · San Francisco Fintech Retreat · Hosted by The Financial Club fintechretreat.com

We’re proud to announce that WestJet, Canada’s second largest airline, has chosen Flex Pay, our Buy Now, Pay Later (BNPL) solution, to provide flexible payment options to their travellers. WestJet guests can use Flex Pay to spread the cost of their flights into simple, affordable monthly installments. Read more: https://lnkd.in/gKeJJVpM

Consumer FinTech Leader: Upgrade, Inc.’s Renaud Laplanche speaks with RJ Lumba Credit cards remain one of the most expensive and persistent forms of consumer debt, built around revolving balances and long repayment timelines. For years, fintech focused on proving it could compete with banks product by product. The next challenge has been designing credit that works across a consumer’s full financial life. That evolution is reflected in how Renaud Laplanche built Upgrade. After helping pioneer marketplace lending, Laplanche moved toward a multi-product model that connects everyday spending with longer-term borrowing. Upgrade combines checking accounts, cards, and installment loans so customers can manage routine expenses and major purchases within a single platform. One example is Upgrade’s card structure, which allows users to choose between paying immediately or spreading payments over time at the point of purchase. The goal is consolidation: fewer accounts, clearer visibility into spending, and repayment terms that reflect how consumers actually use credit. On the funding side, Upgrade works with a wide mix of banks, credit unions, and institutional buyers, matching different capital appetites to different borrower profiles. That flexibility has supported more than $42 billion in loans across 7.5 million customers. As fintech matures, the question is less about access and more about structure. Upgrade’s approach reflects where consumer finance may be headed next. Listen on iTunes (https://lnkd.in/gJJcqjdi); also available on Spotify, YouTube, or wherever you listen to podcasts. Visit our website: https://lnkd.in/gMJHRECq To nominate for Top Women Leaders in Financial Technology of 2025, click here: https://lnkd.in/dTzr-Cg Sign up for our free email newsletter at https://lnkd.in/gNqDJab #FinTech #ConsumerFinance #CreditInnovation #DigitalLending #FinancialInfrastructure #Payments

For the fifth year in a row, Upgrade has been named to NerdWallet's Best-Of Awards for personal loans! The 2026 recognition includes: 🥇 𝗕𝗲𝘀𝘁 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗟𝗼𝗮𝗻 𝗢𝘃𝗲𝗿𝗮𝗹𝗹  🥇 Best Personal Loan for Fair Credit 🥇 Best Small Personal Loan We're proud to have helped millions of customers consolidate credit card debt, cover essential costs, and achieve their long-term financial goals.

🎉 Upgrade has been recognized as one of the Best Places to Work by Built In for the fifth consecutive year. We’ve been named to four distinct lists, including Best Large Places to Work in San Francisco and Los Angeles and Best Places to Work in Atlanta and Los Angeles. Thank you to our team members who make Upgrade a great place to work every day! Read more: https://lnkd.in/ga2ByyJY

Different cities, same Upgrade spirit. Across our offices, team members celebrated the holidays with unique events: 🎊 San Francisco brought the fun with a night of games and great conversation 🥂 Montreal kept up an annual tradition with oyster shucking and bubbles 🕹️ Vancouver turned up the friendly competition at a local arcade 🍪 Phoenix and Orange County hosted cookie decorating parties 🪩 Atlanta turned back the clock with a 1970s-themed party As we head into the New Year, we’re grateful for the moments that bring us together and the people who make Upgrade such a special place to work. Here’s to 2026!

Our Phoenix team celebrated in style with an All That Jazz holiday party 🎷 Team members toasted to another successful year with drinks, delicious food, and plenty of photobooth pictures throughout the night. Here's to our amazing Phoenix team for making this holiday celebration one to remember!

Our Texas team members spent the day volunteering with Mission Arlington / Mission Metroplex, dedicating their afternoon to sorting food and organizing the pantry in preparation for Thanksgiving dinner distributions. 🦃 We're proud of the team for coming together, lending a hand, and supporting families in the community as they prepare for the holidays.