Upgrade is also one of many few lenders that emphasizes loan applicants' free money circulate. Loans could also be paid in full at any time with out penalty. Senate Payments 572 and Senate Payments 574 would have increased the rate of interest on revolving credit cost accounts underneath the Retail Installment Gross sales Act (RISA) from 18% to 22% and would have additionally increased late charges on these accounts to $25.