LightStream vs Upgrade
LightStream LOANS pays 7.24% APR; Upgrade LOANS pays 7.74%. Trade-offs depend on what you prioritize — see the breakdown below.
Option B
Upgrade
7.74%
APR
- Min
- $1000
- Fee
- $0/mo
Best for: savers prioritizing brand familiarity
Open with Upgrade →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.