Upgrade is a fintech startup that is focused on delivering fair, affordable credit through loans and cards. The company was co-founded by the former co-founder and CEO of Lending Club (NYSE: LC) and aims to deliver a mobile and digital experience that lowers unnecessary fees and provides transparent credit terms. Upgrade reached unicorn status in June 2020, with its $40 million Series D round led by Santander InnoVentures that valued the company at $1 billion.