Managing your car payment is easy

You have the flexibility to make payments in a number of different ways. For one time payments that you’ll make each month you can:

Pay by phone: call 855-598-1271

Pay by mail: send a personal check, cashier’s check, or money order to:

Upgrade, Inc.
Lbx #452210
P.O. Box 52210
Phoenix, AZ 85072-2210

Pay to the order of Upgrade, Inc.

Include your Account ID number in the memo

Yes. You can pay off your auto financing balance at any time with no prepayment fees or penalties.

To pay off your auto financing or to check what your payoff amount is, please sign in and visit the “Manage Payments” section of your account. Click the “Payoff Quote” link and select the date when you’d like to pay off your auto financing. You’ll see your full payoff amount for the selected date. To pay off your auto financing, click continue and submit your payment request.

You’ll have the option to select your payment form (ACH from your bank account or check). Please note that 10 days of interest will be added to check payoffs to account for mailing and processing time. Any overpayment – regardless of payment form – will be returned to your bank account on file via ACH. For customers that don’t have a bank account on file, overpayment will be returned via a check that will be mailed to you.

If you choose to pay off early, the total cost could be lower than the disclosed finance charge amount stated in your Truth-in-Lending Disclosure.

If you’d like to schedule an extra payment for less than the full payoff amount, please click the “Make a payment” link in your account.

If you’d like to make a principal-only payment, please call our Auto Finance team at 855-598-1271. Call Monday-Friday 5am-7pm, and Saturday-Sunday 6am-5pm PT.

Please see information on autopay here.