OnePay has launched personal loans through a partnership with Upgrade, allowing customers to apply for loans between $1,000 and $50,000 directly within the OnePay app. The loans feature APRs ranging from 7.74% to 35.99%, depending on eligibility. Customers can check rates, receive offers, and manage repayment through the app. Those who bank through OnePay may receive funds as soon as the same day. The loans are designed for debt consolidation, major purchases, or unexpected costs. The partnership enables OnePay to offer larger-dollar lending whilst leveraging Upgrade's infrastructure. Since 2017, Upgrade has delivered over $50 billion in credit to over 8 million customers. OnePay is a financial technology platform offering banking, savings, credit cards, and investment services to millions of consumers.

OnePay launches Personal Loans powered by Upgrade, expanding access to larger, more flexible financing. San Francisco - July 20, 2026 Partnerships Personal Loans OnePay, the consumer fintech trusted by millions of Americans to make money better, today announced the launch of OnePay Personal Loans powered by Upgrade. This partnership gives OnePay customers who are approved can access loan amounts ranging from $1,000 to $50,000, directly within the OnePay app With OnePay Personal Loans powered by Upgrade, customers can apply for a loan, receive and accept an offer, and pay back their loan, all within the OnePay app. The fully integrated experience allows customers to check rates in minutes, see their offers, accept terms, and manage repayment in one place. Customers who bank through OnePay may receive funds as soon as the same day, providing faster access to financing when they need it most. Loan amounts range from $1,000 to $50,000, with APRs ranging from 7.74% - 35.99%, depending on eligibility. OnePay Personal Loans are designed to meet needs that go beyond everyday expenses, such as consolidating debt, covering major purchases, or managing unexpected costs. By leveraging information customers have already shared with OnePay, the application process minimizes friction and reduces repetitive data entry, helping customers access financing more seamlessly. Through this partnership, Upgrade provides lending its infrastructure and expertise to OnePay, allowing them to offer larger-dollar lending directly within its app while leveraging Upgrade's lending infrastructure and expertise. "Getting access to credit in America today is harder than it should be," said Omer Ismail, CEO of OnePay. "It's never been more important to give consumers access to financing that's simple, transparent, and meets them where they already are - and we're excited to partner with Upgrade to introduce another financing option for our customers with OnePay Personal Loans." "Our personal loans offer consumers the breathing room they need to get on the best financial path," said Renaud Laplanche, Co-founder and CEO of Upgrade. "We're proud that this partnership makes that resource more accessible to millions of OnePay customers." About Upgrade Upgrade is a financial technology company that offers affordable and responsible credit, mobile banking, and payment products to mainstream consumers. Since its inception in 2017, Upgrade has delivered over $50 billion in credit to over 8 million customers. Upgrade's platform includes six core products: Mobile Banking, BNPL, Personal Loans, Credit Cards, Home Improvement Financing and Auto Financing. Loans and credit lines are issued, and banking services are provided, by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender, and Celtic Bank, a Utah State Chartered Industrial Bank, Member FDIC. Upgrade is headquartered in San Francisco, California, with an operations center in Phoenix, Arizona, a technology center in Montreal, Canada, and regional offices in Wilmington, Delaware, Atlanta, Georgia, New York City, New York, and Irvine, California. More information is available at: https://www.upgrade.com About OnePay OnePay is an all-in-one financial services platform built on the simple belief that better money makes life better. With banking, high-yield savings, credit cards, point-of-sale lending, investment and crypto offerings, OnePay is providing millions of consumers with the tools they need to holistically manage their financial lives in one place. Alongside its expanding consumer offering, OnePay also partners with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. OnePay is a financial technology company, not a bank. Banking services through OnePay are provided by Coastal Community Bank or Lead Bank, Members FDIC. OnePay debit and credit cards (including the Builder Mastercard(R) are issued by partner banks pursuant to licensing by Mastercard(R) International. Brokerage services through OnePay are provided by One Growth Securities LLC, member FINRA/SIPC. Crypto services through OnePay powered by Zero Hash LLC and Zero Hash Liquidity Services LLC through an agreement with OneProgress Assets LLC. Investment and crypto products are not FDIC Insured, not bank guaranteed and may lose value. One Growth Securities LLC does not provide crypto services and OneProgress Assets LLC is not a member of FINRA/SIPC. Recent press memos. Upgrade, Inc. is excited to announce its partnership with ZIPAIR Tokyo, Japan's leading long-haul low-cost carrier and a wholly owned subsidiary of Japan Airlines (JAL). July 21, 2026 Upgrade, Inc. is excited to announce its partnership with ZIPAIR Tokyo, Japan's leading long-haul low-cost carrier and a wholly owned subsidiary of Japan Airlines (JAL). The partnership brings Flex Pay, Upgrade's Buy Now, Pay Later (BNPL) solution, to ZIPAIR's customers, empowering travelers to spread the... July 20, 2026 Upgrade, Inc. is excited to announce that REVOLVE Group, Inc. (NYSE: RVLV), one of the world's leading fashion retailers for Millennial and Gen Z consumers, has chosen Flex Pay, Upgrade's Buy Now, Pay Later (BNPL) solution, to offer flexible payment options to shoppers across its platform. The partnership...

Pagaya builds on multi-year partnership with Upgrade to expand point-of-sale loans. 06/08/2026 * Expansion into Flex Pay, Upgrade's Buy Now, Pay Later Solution, builds on collaboration between Pagaya and Upgrade NEW YORK-(BUSINESS WIRE)-Jun. 8, 2026- Pagaya Technologies Ltd. (NASDAQ: PGY) ("Pagaya"), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced an expansion of its long-term partnership with Upgrade, Inc., a financial technology company providing affordable and responsible credit, mobile banking and payment products to mainstream consumers. The expansion brings Pagaya's AI-driven credit decisioning to Flex Pay, Upgrade's Buy Now, Pay Later (BNPL) solution. The announcement marks a significant milestone in the ongoing partnership between the two companies, moving beyond personal loans into a new asset class. With Pagaya integrated into its point-of-sale solution, Upgrade can responsibly extend its simple, surprise-free Flex Pay monthly payment options to a broader range of customers at the moment of purchase. "By leveraging Pagaya's AI-powered decisioning within our Flex Pay product, we are enabling more people to access the payment solutions they need, allowing them to make thoughtful purchases now and pay over time through a quick and easy application process," said Tom Botts, President of Flex Pay. The initial partnership expansion focuses on the travel merchant segment, where Flex Pay is a trusted payment method for thousands of the world's leading brands. By utilizing Pagaya's real-time underwriting, Upgrade will be able to extend its seamless Flex Pay financing options to more customers across its extensive network of travel partners. "Our expanded partnership with Upgrade to integrate into Flex Pay underscores the strength of our long-term relationship, as we deepen our collaboration beyond personal loans," said Sanjiv Das, President of Pagaya. "By extending our network across new asset classes, we are supporting Flex Pay as it continues to grow. This expansion is part of our strategy to extend our point-of-sale business towards more purpose-driven transactions." About Pagaya Pagaya (NASDAQ: PGY) is a global technology company making life-changing financial products and services available to more people nationwide, as it reshapes the financial services ecosystem. By using machine learning, a vast data network and an AI-driven approach, Pagaya provides consumer credit and other products for its partners, their customers, and investors. Its proprietary API and capital solutions integrate into its network of partners to deliver seamless user experiences and greater access to the mainstream economy. For more information, visit pagaya.com. About Upgrade Upgrade is a financial technology company that offers affordable and responsible credit, mobile banking, and payment products to mainstream consumers. Since its inception in 2017, Upgrade has delivered over $47 billion in credit to over 7.8 million customers. Upgrade's platform includes six core products: BNPL, Home Improvement Financing, Personal Loans, Cards, Mobile Banking, and Auto Financing. Loans and credit lines are issued, and banking services are provided, by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender, Blue Ridge Bank, a nationally chartered commercial bank, Member FDIC, and Celtic Bank, a Utah State Chartered Industrial Bank, Member FDIC. Upgrade is headquartered in San Francisco, California, with an operations center in Phoenix, Arizona, a technology center in Montreal, Canada, and regional offices in Atlanta, Georgia, and Irvine, California. Pagaya Contacts Investors & Analysts [email protected]