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Good Day Loans

Upgrade Personal Loan

Best for: longer repayment terms and smaller loans

Terms up to 84 months and loans from $1,000, with an origination fee of 1.85% to 9.99%.

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

At a glance

APR
7.74–35.99%
Amount
$1K–$50K
Terms
2 years – 7 years
Min. score
Not published

Example: borrowing $2,500 over 3 years with good credit would cost about $91 a month and $899 in interest and fees.

Strengths and trade-offs

Strengths

  • Terms up to 84 months
  • Loans start at $1,000
  • No prepayment fees

Trade-offs

  • Origination fee of 1.85% to 9.99%
  • APR reaches 35.99%
  • Minimum credit score is not published

How it compares

The starting APR is 1.00 percentage points below the median of the 12 personal loans we track (8.74%). Bars below share one scale.

5% APR40% APR

Rates, fees and terms

APR range
7.74% – 35.99%
Loan amount
$1,000 – $50,000
Terms
2 years – 7 years
Origination fee
1.85% – 9.99%
Minimum credit score
Not published by the lender
Time to funding
As soon as next business day
Prepayment penalty
None
Collateral
Unsecured
Lender type
Online lender
  • Funds arrive within 1 business day of clearing verification. Payments sent directly to creditors can take up to 2 weeks.

Figures read from upgrade.com on Sep 21, 2026. Terms change without notice, so confirm with the lender.

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