NEW HAVEN, Conn. - s4story -- Plootus, a free AI-powered retirement planning platform and SEC-registered investment adviser, today announced a partnership with Upgrade, a fintech company offering affordable personal loans.

Nearly two in five Americans (38%) carry a personal loan, with total balances reaching $269 billion in 2025. Debt consolidation is the most common use. While retirement planning builds savings, personal loans help manage debt and expenses. The partnership gives Plootus users simple access to flexible lending alongside their retirement goals.

"Retirement planning also means managing debt that can derail those plans," said Lisa Paine, Partnerships Manager at Plootus. "Upgrade makes it easy to access personal loans with low fixed rates, affordable payments, and no prepayment fees."

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Through the partnership, Plootus users can access Upgrade's platform directly from Plootus.com. Borrow between $1,000 and $50,000 with fixed APRs from 7.74% to 35.99% and terms of 24 to 84 months. Key features include:

• Low fixed rates – Predictable monthly payments.
• No prepayment penalties – Pay off early with no extra fees.
• Fast, easy online application – Pre-approved in minutes without a credit score hit.
• Flexible use of funds – Refinance credit cards, consolidate debt, fund improvements, cover unexpected expenses, or make major purchases.
• Direct creditor payment – Upgrade can pay creditors directly.

Whether consolidating credit card debt, funding a home project, or covering an unexpected expense, Upgrade makes it seamless.

ABOUT PLOOTUS

Plootus is a free, AI-powered retirement planning platform that helps Americans analyze and optimize their 401k, 403b, 457, and other workplace retirement plans.

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Analyze Future LLC (dba Plootus) is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. For more information, visit www.plootus.com.

For more information, visit https://www.plootus.com/partners

Disclaimer: Analyze Future LLC (dba Plootus) (an SEC-registered investment advisor) may receive compensation for referrals to third-party products and services, listed on our Partners page. These referrals are for informational purposes only and do not constitute an endorsement or recommendation. Plootus has not conducted due diligence on, nor assumes responsibility for, any third-party offerings. Users are encouraged to evaluate these options independently before making any decisions.