If you are referring to the financial platform Upgrade.com in 2026, they do charge certain fees, primarily an origination fee on personal loans. This fee typically ranges from 1.85% to 9.99% of the loan amount and is deducted directly from your loan proceeds before you receive the money. Additionally, Upgrade may charge late fees (usually around $10) if a payment is more than 15 days overdue, and a "failed payment" fee if a scheduled ACH or check payment is returned. However, they notably do not charge prepayment penalties, meaning you can pay off your loan early to save on interest without extra costs. For their "Upgrade Card" products, there are generally no annual fees, but standard interest rates apply to balances. Always review your specific "Truth in Lending" disclosure before signing, as fees can vary based on your credit profile and state of residence.