Upgrade is a neobank that offers personal loans, credit cards, checking and savings accounts, and “buy now, pay later” options for its customers. It offers loans for purposes like refinancing credit cards, debt consolidation, home improvement, and the like; since its founding, Upgrade has made over $35 billion in credit available to its users. The company also offers free credit health monitoring services and insights on how to improve credit.

Founded in 2016 by Renaud Laplanche and colleagues of his from LendingClub (which he also founded and was CEO of), Upgrade has since raised more than $600 million in venture capital funding. Upgrade currently employs more than 350 people in areas like software and automation engineering, risk analysis, marketing, collections, and account management. The company is headquartered in San Francis...