Can I lower my monthly payment?

Once you select the rate and terms for your offer through Upgrade, you won’t be able to lower your monthly payment. We suggest that you select an offer that will best suit your needs.

Keep in mind that Upgrade does not have any prepayment fees. You can make extra payments or pay your loan off at any time.

Articles in this section

• Why did I receive a Flex Pay refund via Zelle?
• Am I able to pay by phone?
• Are there any late fees?
• Are there any prepayment fees?
• Can I cancel my scheduled payment?
• Can I change my payment due date?
• Can I lower my monthly payment?
• Can I pay by check?
• Can I pay off my loan early?
• COVID-19 help for Upgrade customers