Upgrade | Auto financing through Upgrade

Upgrade helps your dealership grow revenue

Product differentiators that add revenue

Customer Pre-Qualification Program

Tap into Upgrade's 7M+ customers

RevUp Rewards

A rewards program designed for dealerships by Upgrade¹

Upgrade GAP and VSC

Add value and revenue to your dealership with Upgrade product differentiators³

Read the latest news about Upgrade's auto financing power

Upgrade Auto Surpasses $1 Billion in Total Originations, Launches GAP Coverage and Vehicle Service Contracts
2 minute read
Upgrade, Inc. Partners with Over 1,000 Dealers for Rapidly Growing Auto Financing Program
1 minute read

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.”

Greg Hitch

Finance Director at Trucks Only, Arizona

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.