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Can I pay by check?

The quickest and most convenient way to make a payment is by downloading the Upgrade Mobile App on your phone or by logging into your Upgrade Account on your computer. Upgrade also accepts payments via check, but please be advised that the payment processing time frame can take up to 2-3 weeks.

If you prefer to pay by check and you’re currently on Autopay, please give our Servicing team a call to let us know at (844) 899-9931, Monday - Friday 5AM - 7PM PT, Saturday & Sunday 6AM - 5PM PT prior to making a check payment so we can disable any scheduled automatic payments.

You may pay with a personal check, cashier’s check, or money order to the appropriate payment mailing addresses below:

  • Personal Loan and Personal Credit Line Payments:Upgrade, Inc.Lbx #452210P.O. Box 52210Phoenix, AZ 85072-2210
  • Auto Finance Payments (Indirect Auto, Auto Refinance, Auto Secured):Upgrade, Inc.Lbx #52303P.O. Box 52303Phoenix, AZ 85072-2303
  • Flex Pay Payments (US Customers)Upgrade, Inc.2 North Central Ave.Flr 10Phoenix, AZ 85004
  • Flex Pay Payments (Canada Customers)Flex Payc/o Upgrade, Inc.1080 Beaver Hall Hl Suite 200Montreal, Quebec, H2Z 1S8, Canada
  • Include the following information on your check:On the Pay to the order of line:Upgrade, Inc.On the Memo line:Your Account ID Number 

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