Join the dealer network that's driven by relationships
Upgrade helps your dealership grow revenue
Product differentiators that add revenue
Customer Pre-Qualification Program


RevUp Rewards


Upgrade GAP and VSC


Read the latest news about Upgrade's auto financing power
Hear from our dealers
“It sure is a pleasure to be working with Upgrade! Their full spectrum financing approach, incredible flexibility, accessible credit and sales teams, and most importantly their fast funding, make it fun and easy to put deals together. They've built a super team of people that value the importance of relationships. I haven't seen that for a while.”
Streamlined decisioning, fast funding and innovation
Automated decisioning
We offer the best of both worlds: automated speed paired with the nuanced judgment of our experienced analysts - ensuring you get a fast, smart decision.
Flats paid
Enjoy a simple, transparent fee structure. Upgrade pays flats of up to 4% of the amount financed.
Fast funding
Don’t wait to get paid. Upgrade processes contract funds quickly so that the majority of our contracts are funded the very same day.
Innovative technology
Upgrade's product offering sets us apart. Our flexible terms, aftermarket products, and innovative technology solutions are designed for both customers and dealership teams.
The team includes experienced industry leaders
Scott Raymer
SVP, Head of AutoScott is a seasoned veteran in auto and powersports financing with over 36 years of experience. He has successfully launched multiple companies from start up to sale. Most recently Scott started CRB AUTO which was sold to Mechanics Bank. Scott has a wealth of experience in prime, non prime and subprime arenas working for captive, independent and banking entities.
John Clausing
VP, Credit RiskJohn has over 30 years of consumer lending experience with over 20 years in Credit Risk Management focused on indirect auto lending. John has developed and implemented manual and automated origination strategies, credit policy, fraud controls and default risk scorecards culminating in monthly origination volumes exceeding $2.5B monthly for Wells Fargo Auto and Mechanics Bank.
Claudia Villalobos
VP, Funding & Servicing CoordinatorClaudia has more than 20 years of experience in funding originations, servicing operations, and internal and external audit reviews. Claudia served 4 years as SVP of Servicing Operations for RumbleOn Finance. Prior to that she served 8 years as VP, National funding manager for CRB Auto/Mechanics Bank.
Jeff Weaver
VP, OriginationsJeff is an industry veteran with nearly 35 years of experience in building Indirect Auto Finance non-bank organizations ranging from independent start-ups to companies acquired by large banks such as Capital One, TCF Bank and Mechanics Bank.
Marc Greenberg
Director, Credit ManagementMarc has nearly 30 years of experience in all aspects of auto lending. After 20 years at Wells Fargo Auto Finance where he oversaw business units in several states, Marc joined Mechanics Bank and opened the Northern California Dealer Center, leading it to become the most profitable division.
Deanna Wood
VP, SalesDeanna was VP, Regional Sales Manager at Wells Fargo and Mechanics Bank. Deanna has over 25 years of experience in sales, business management, credit underwriting, and product development. She has a proven track record of guiding teams through rapid growth and change, while inspiring them to achieve the highest standards of quality and productivity.
Meet Your Regional Upgrade Sales Manager

Upgrade Auto is available in almost all 50 states!

Upgrade offers reliable service to keep your customers happy
7M+
Customers
$40B+
Borrowed

50K+
Reviews



