Upgrade vs Oportun: Finances made simple使用状況と統計

Get easy and rewarding banking all in one place! Request cash advances and open a high-yield savings account, check balances, track cash back and manage loans, cards and more. Upgrade is a financial technology company, not a bank. ● Track Rewards – Earn cash back rewards on Upgrade Card purchases⁴ ● Manage Upgrade Card or Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement through Upgrade accounts. Make payments and check your balance. ● Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score. Share feedback at mobile_app_feedback@upgrade.com Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment.Subject to approval. For more information visit upgrade.com/personal-loans/. ¹Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. 1-month free trial for select customers. Cancel anytime. Learn more about eligibility and terms at upgrade.com/boostcasheligibility. Delivery may take 3-5 business days without Premium or within minutes with Premium Subscription express delivery ($9.99/mo). Funds availability depends on the receiving bank. You must repay a BoostCash™ advance before you may get a new one. BoostCash™ advances are not available in all states. See BoostCash™ Account Agreement for details. ²Add funds to your Boost Money™ Spend account, and spend up to the available balance with Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit. ³For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 10/31/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure. ⁴Purchases accrue cash back when you pay them back. Limitations apply. See upgrade.com for more information. Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. For example, if you receive a $10,000 unsecured loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR and loan terms may vary. Certain loan offers may not be available in all states. See upgrade.com/personal-loans/ for more information. All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (upgrade.com/bank-partners). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/state-licenses) and does business under the following DBAs (upgrade.com/dba ). Upgrade is a financial technology company, not a bank (upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank).

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Oportun: Finances made simple

Kickstart your New Years financial resolutions. Whether you’re saving or borrowing, our finance app is here to help you stay in control. Never money alone. PUT YOUR SAVINGS ON AUTOPILOT Reach your savings goals big or small. Set & Save™ learns your income and spending patterns to find the right moments to automatically set aside money toward your goals. Little by little and day by day, it adds up faster than you think. Our members save over $1,800 per year on average.* > Achieve your goals We can help you turn those New Year resolutions into real progress. We’ve helped people save over $12.3 billion in total using Set & Save toward 15 million goals, from building an emergency fund to a well-earned vacation and even a first home. We move money toward each goal you set based on what you can afford, helping you make steady progress without needing to think about it. We look at when your bills are due, when you get paid and more to personalize your savings. > Your money, your rules Save a lot or a little. Set limits and give us guidance on how to save for you. Pause saves with the push of a button. Transfer your money back into your bank account whenever you want it. Instantly move money from one goal to another. It’s your money and you’re the boss. > Safe and secure Your money is protected every step of the way. Savings held through Oportun are FDIC-insured** up to $250,000 through our partner banks. We use bank-level encryption, multi-factor authentication, and trusted technology partners like Plaid to keep your information safe. You can stay informed with either automatic daily or weekly balance notifications. You’re always in control. > How it works 1. Get set up in minutes: Link your bank account to our savings app and set your goals 2. We’ll get to know you: We find smart times to save based on your spending and income 3. Effortlessly save: We’ll automatically move money into the savings app toward your goals > Get a 30 day free trial See how much you can save with a 30 day free trial of our money saving app. After that, enjoy effortless savings for just $5/month. Cancel anytime. LOAN MEMBERS, WE’RE HERE FOR YOU Are you an Oportun member with a personal loan? It’s easier to manage it in the app. Check your balance, make payments, set up autopay, and refer friends all in one place. The Oportun app is free for members to use for the purpose of monitoring and paying their loan. Looking to apply for a loan? Please visit Oportun.com or call (866) 488-6090 for money borrowing. MORE ABOUT US - Oportun is certified by the US Treasury Department as a CDFI - Oportun has an A+ rating by the Better Business Bureau (BBB) - Formerly known as Digit, our finance app helps you save without thinking about it, budget smarter, and manage your loan easier. - - - - - - - Oportun offers personal loans in certain states through its partner Pathward®, N.A., and they are subject to credit approval. Standard data charges may apply when downloading the app. *Based on average saves of all paying app members in the prior 12 months. Not a guarantee; results will vary based on your income and spending. **Oportun is a financial technology company, not an FDIC-insured bank. However, Oportun holds your deposits in accounts established by Oportun at Wells Fargo Bank, N.A., JPMorgan Chase Bank, N.A., and/or Citibank, N.A., Members FDIC (collectively, the “Depository Institutions”). Those deposits are eligible for FDIC-insurance on a pass-through basis up to $250,000 in the aggregate with any other deposits you hold at a given Depository Institution. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Deposit insurance only covers the failure of a Depository Institution. Oportun does not share information between its affiliates or partners for marketing purposes without consumer consent or as otherwise allowed by law.