 TITLE: Should I Get a 0% APR Card or Personal Loan? CONTENT: ### Upgrade\nApply\non Upgrade's website\n**Recommended FICO® Score\\***\nFair - Exceptional\nAmount\nAvailable loan amounts: $1,000 to $50,000\nEst. monthly payment: $30 to $2,095\nGrace period: 15 days\nApplication fee: $0\n##### Loan Details\n*   Affordable loans from $1,000 - $50,000 with low fixed rates that will never change, affordable monthly payments, and no prepayment penalties\n*   Quick online application -- get pre-approved in just minutes\n*   Checking your rate won't impact your credit score\n*   Review multiple loan options so you can pick the amount and term that fits your budget and timeline\n*   With automatic payments and a customizable due date, managing your account is easy and you'll be able to circle the date on your calendar when you'll be debt free\nDisclosure\nUpgrade offers fixed-rate personal loans online in a wider range than many lenders, with amounts from $1,000 to $50,000 available. Rates are based on creditworthiness and term length, and range from 5.94% to 35.97%. END