Build wealth with every debt payment while paying off your student loans or credit cards at a lower rate.
Debt that Builds your Net Worth
We’ve created a loan that automatically builds wealth with every payment made. As you pay down your loan, a big portion of your payment goes into an investment account. These investments build wealth for you and create collateral for the loan. More collateral means less risk. Less risk means a better rate for you.
Refinance your loans, but better
Get an Upside loan in order to lower your rate and free up cash for wealth creation. A big part of each payment is invested automatically.
Get rewarded for saving — with a lower rate.
Building wealth makes you less risky, helping us get you a better rate.
This isn’t round-up; this is real wealth
Pay down your debt and save for your future, all within the same payment. This is debt that builds your net worth.
Whether you’re trying to dig out of student debt or refinance credit cards to save money, Upside can help you build wealth one payment at a time.
Personal Loans Eliminate credit card debt. Get a lower rate while growing your savings with each payment. Learn more
Student Loans Refinance your student loans while automatically generating a solid foundation for retirement. Learn more
Disclosures Brokerage services are provided by Atomic Brokerage LLC "Atomic Brokerage", member FINRA and SIPC. Clearing and custody services are provided by Brokerage firm BNY Mellon Pershing, member SIPC. Upside Financial has a relationship with Atomic Brokerage to manage and execute investments on behalf of customers. Advisory services are offered through Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment advisor, member SIPC. Atomic Invest was formerly known as Helium Advisors LLC."
The personal loan projections are based on a refinanced loan using the estimated credit score and the principal balance that you provided on our website, and we assume all payments are made on time. The projected wealth amounts assume that certain amounts are deposited into the wealth account each month. Deposit amounts depend on the terms of the specific loan. The projected wealth amounts are not adjusted for inflation. Investments are assumed to grow at a 2.9% real rate of return and inflation is assumed to be 3.0%. Actual results may vary. Complete your application to explore your options.