For Auto Customers
Affordable monthly payments with low fixed rates
You're in the driver's seat
Affordable Monthly Payments
Low fixed rates
Make payments and manage your account from anywhere
Access your account 24/7 online or on the Upgrade App
Customers love us
From our customers
”Amazing helpful place with easy self service! 100% recommend these guys to anyone looking for help.”
We're here to help
How do I make a payment?
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:
P.O. Box 52210
Phoenix, AZ 85072-2210
Pay to the order of Upgrade, Inc.
Include your Account ID number in the memo
What is autopay?
Autopay gives you the convenience of having automatic payments so you don’t have to remember another due date. It is an optional feature.
Once you set up Autopay, your monthly payment amount disclosed in your Truth in Lending Disclosure will be automatically withdrawn on your statement due date. You always have the option to make additional one-time payments manually.
If you want to enroll in Autopay or cancel an active Autopay for an upcoming payment, you must enroll or cancel at least 3 business days prior your scheduled payment date. If you cancel autopay, it will cancel all future payments.
If your Autopay payment date is scheduled for Friday, Saturday or Sunday, your payment will be deducted from your bank account on the following business day. Visit your Upgrade dashboard to enroll in or cancel Autopay.
Can I move my payment due date?
Yes, you can adjust your payment date to the day of the month that’s best for you up to 15 days before or after your assigned payment date.* You can make this adjustment in your dashboard.
Can I make a principal payment on my auto financing?
Yes, as long as you’re up to date with your payments, you can make an additional, principal-only payment. A principal-only payment is separate from your monthly payment and you’re still responsible for making your monthly payment.
For example, if your monthly payment is $400 and you want to make an additional, principal-only payment of $500, you should make both payments. If you only make the $500 principal-only payment, that will not cover or count towards your regular $400 monthly payment.
Can I pay off my auto financing early?
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-6pm, and Saturday-Sunday 6am-5pm PT.
Can I defer payments?
If you’re having financial difficulties, contact us right away at 855-598-1271.
What should I do if I'm having trouble making payments?
If you're experiencing financial difficulties, notify us immediately so that we can explore your options to get back on track. You can contact Upgrade by emailing us at firstname.lastname@example.org. To speak with an Upgrade Support representative, you may call our toll-free line at (855)-598-1271 Monday - Friday, 5am-6pm, Saturday and Sunday 6am-5pm Pacific Time.
Will auto financing show up on my credit report?
Yes, if you’re an Upgrade Auto Finance customer that means that your retail installment sales contract (“RISC”) was assigned to Upgrade or one of its partners. As an Auto Finance customer, Upgrade will service your RISC including reporting your payment history to credit reporting agencies.
How do I correct inaccuracies on my credit report?
If you find an inaccuracy in your credit report you should contact the credit bureau that you got your report from and request a correction. Visit Transunion, Equifax and Experian’s websites to get specific directions and details on how to file disputes with each bureau online, by phone or by mail.
- Step 1: Tell the person, company, or organization that provided the incorrect information about you to a credit reporting company that you dispute an item in your credit report.
- Step 2: Tell the credit reporting company what information you think is inaccurate. Have the proper documents that support your position handy.
- Step 3: You should check your credit report from the other bureaus to see if they also had the same error so you can file a dispute with them too.
If you think that Upgrade made an error that now appears on your credit report, contact us at email@example.com. To speak with an Upgrade Support representative, you may call our toll-free line at (844)-319-3909, Monday-Friday, 5am-6pm, Saturday and Sunday 6am-5pm Pacific Time
When will I get my title?
Once you pay off your auto financing, Upgrade will release your title or lien. Upgrade will instruct the titling agency to release your title or lien in accordance with the state guidelines. The processing time varies by state.
How can I update my personal information?
Sign in to your Upgrade account. Select Profile & Settings, then Contact Information. Make edits and choose Save.
What do I need to do if I move to a different state?
Each state has different registration requirements. If your new state requires the title to be updated in order to register your car, please call Upgrade at 855-598-1271 and we will assist you with updating your title.
I’ve changed my name. How do I update my name on my title?
Each state has different registration requirements. If your new state requires the title in order to change the name on the title, please call Upgrade at 855-598-1271 and we will assist you with updating your title.
How do I get my registration?
The dealership where you bought your car or truck will submit the registration paperwork to your local motor vehicle department. This process may take up to 30 days. If you have more questions about your registration, reach out to the dealer.
What lienholder information should I share with my insurance company?
Please notify your insurance provider that Upgrade, Inc. is the lienholder on your vehicle and have your provider send your insurance policy details to Upgrade at:
2 N Central Ave.
Phoenix, Arizona 85004
What happens if I was in an accident with vehicle damage and I received a collision repair payable to Upgrade and myself?
If you were in an accident and you received a collision repair check from the insurance company payable to Upgrade, please call Upgrade at 855-598-1271. Once the repairs are verified and completed per the claim, Upgrade will endorse the check and send the funds to the autobody shop for you to coordinate the vehicle pickup.
I was involved in an accident and my vehicle has been deemed a total loss. What should I do?
If a total loss has occurred, please call Upgrade at 855-598-1271 and provide us with your insurance claim details. Your insurance company will also need to call us at 855-598-1271.
Upgrade will work with your insurance provider. After your insurance pays the settlement, you will be responsible for any remaining balance.
If you purchased GAP coverage, please call the administrator listed on the GAP agreement to initiate the claim process.
Do I need to continue making payments if my insurance company says my vehicle is a total loss?
Yes, you remain responsible for your payments until the retail installment sales contract or auto financing is paid in full. Any missed or partial payment may be reported to the credit bureaus.