Upgrade: Upgrade, Inc. Overview - State Licenses and Consumer Information

State

License

Consumer Information

Alaska

• Business License #2204058 • Business License #2204061 • Business License #2204092

Arizona

• Consumer Lender License #CL-0939235 • Consumer Lender Branch License #CL-BR-1044221 • Collection Agency License #CA-0939236 • Collection Agency License - Other Trade Name #1 #CA-2001708 • Collection Agency License - Other Trade Name #2 #CA-2001709 • Sales Finance License #SF-1042163 • Sales Finance Branch License #SF-BR-2010305 • Sales Finance Branch License #SF-BR-2010407

• NOTICE: Before signing any loan documents or otherwise committing to a loan, you may take copies of those documents away from the consumer lender's place of business for review.   • To report any unresolved problems or complaints, contact the Arizona Department of Insurance and Financial Institutions by telephone at (602) 364-3100 or visit the website: https://difi.az.gov/ 

Arkansas

• Collection Agency License #5317 • Collection Agency License #AC-6655

California

• Debt Collection License #10608-99 • Debt Collection Branch Registration • City of Irvine Business License #240000775 • San Francisco Tax/Treasury Business Registration #1058783 • Commercial Requester Account #AF3311

Colorado

• Supervised Lender License #SUP-4000142 • Supervised Lender License #SUP-4000142-001 • Supervised Lender License #SUP-4000142-002 • Supervised Lender License #SUP-4000142-003 • City of Aurora Business License #S20120051-0001

Connecticut

• Small Loan Company License #SLC-1548935 • Small Loan Company Branch License #SLC-BCH-1955422 • Small Loan Company Branch License #SLC-BCH-2711957 • Sales Finance Company License #SFC-1548935 • Sales Finance Company Branch License #SFC-BCH-1955422 • Sales Finance Company Branch License #SFC-BCH-2515767 • Sales Finance Company Branch License #SFC-BCH-2711957

Delaware

• Motor Vehicle Sales Finance License #042067

District of Columbia

• Basic Business License #400324807447

Florida

• Sales Finance Company License #SF9902060 • Sales Finance Company Branch License #SFB9900924 • Sales Finance Company Branch License #SFB9900925 • Motor Vehicle Service Agreement Salesperson - Firm License #G284394

Georgia

• Installment Lender License #1548935

Hawaii

• Exempt Out-Of-State Collection Agency License #COLAX-1288-0

Idaho

• Regulated Lender License #RRL-9624 • Regulated Lender License (Branch) #RRLB-11005

Illinois

• Residential Mortgage License #MB.6761518 • Sales Finance Company License #SF.0001687 • Sales Finance Agency Branch License #SF.0001688-BRH • Sales Finance Agency Branch License #SF.0001721-BRH • City of Chicago Debt Collection License #2983652 • Payday Reform License #PL.0002053-H • Payday Reform License - Other Business Authorization #PL.0002054-OBA • Collection Agency License #17.022595 • Collection Agency Branch License #009.002047 • Chicago Debt Collector License #3025646

Iowa

• Master Loan Company Registration #88893575 • Nonresident Regulated Loan Company Branch License #2021-0093 • Nonresident Regulated Loan Company Branch License #2021-0112 • Nonresident Regulated Loan Company Branch License #2025-0116

Kansas

• Supervised Loan License #SL.0026635 • Supervised Loan Branch License #SL.0026635-BR.001 • Supervised Loan Branch License #SL.0027090-BR • Supervised Loan Branch License #SL.0027093-BR • Credit Notification #NOT.0026385 • Mortgage Company License #MC.0025649 • Mortgage Company Branch Registration #MC.0025649-BR.001

Louisiana

• Collection Agency Registration #42483451I • Licensed Lender License • Licensed Lender Branch License • Licensed Lender Branch License • Motor Vehicle Sales Finance License #SF-2025-00399 • Motor Vehicle Sales Finance License #SF-2025-01220 • Motor Vehicle Sales Finance License #SF-2025-01221 • Motor Vehicle Sales Finance License #SF-2025-01222

Maine

• Loan Servicer Registration #SVR14123 • Loan Servicer Branch Registration #SVB14334 • Loan Servicer Branch Registration #SVB16381 • Supervised Lender #SLM14121 • Supervised Lender Branch License #2711957 • Supervised Lender Branch License #1955422 • Sales Finance Company License #SFC16478 • Sales Finance Company Branch License #SFB16484 • Sales Finance Company Branch License #SFB16483 • Sales Finance Company Branch License #SFB16479

Maryland

• Credit Services Business License #1548935 • Collection Agency License #1548935 • Sales Finance License #1548935

Please refer to the NMLS Consumer Access website for information on our licenses. Upgrade, Inc DBA Universal Credit's NMLS ID is 1548935.

Massachusetts

• Debt Collector License #DC1548935 • Debt Collector License Other Trade Name #1 #DC1548935 • Debt Collector License Other Trade Name #2 #DC1548935 • Debt Collector License (Branch) #DC1548935 • Motor Vehicle Sales Finance License #MV1548935 • Motor Vehicle Sales Finance License - Branch #MV2515767 • Small Loan License #SL1548935

Michigan

• Sales Finance License #SF 0026056 • Sales Finance License #SF 0026846 • Sales Finance License #SF 0026847

Minnesota

• Residential Mortgage Originator License #MN-MO-1548935 • Residential Mortgage Originator - Other Trade Name License #1 #MN-MO-1548935.1 • Motor Vehicle Sales Finance Company License #MN-MV-1548935 • Motor Vehicle Sales Finance Company Branch License #MN-MVBR-2515767 • Motor Vehicle Sales Finance Company Branch License #MN-MVBR-2711957 • Collection Agency License #40958036 • Collection Agency Branch License #40974298

Mississippi

• Motor Vehicle Sales Finance Company License #1548935 • Motor Vehicle Sales Finance Branch License #2515767 • Motor Vehicle Sales Finance Branch License #2711957

Missouri

• Motor Vehicle Time Sales Act License #365-25-9571 • Motor Vehicle Time Sales Act License #365-25-9790 • Motor Vehicle Time Sales Act License #365-25-9791

Montana

• Consumer Loan License #1548935 • Consumer Loan Branch License #1955422 • Consumer Loan Branch License #2713102 • Sales Finance Company License #1548935 • Sales Finance Branch License #2515767 • Sales Finance Branch License #1955422 • Sales Finance Branch License #2711957

Nebraska 

• Installment Loan Company License #NE1548935-IL • Installment Loan Company Branch License #1955422 • Installment Loan Company Branch License #2515767 • Installment Loan Company Branch License #2711957

Nevada

• Installment Loan Company License #IL11227  • Installment Loan Company License - Alternate Location #IL11260 • State Business License #NV20161623028 

New Hampshire

• Small Loan License #1548935SM • Motor Vehicle Sales Finance License #1548935SF

New Jersey

• Motor Vehicle Commission EIN #927-460-000-94111-0

New Mexico

• Small Loan License #2078 • Small Loan License #2479 • Sales Finance Company License • Motor Vehicle Sales Finance Branch Out of State • Motor Vehicle Sales Finance Branch Out of State

• New Mexico Loan Rates and Fee Notice & Consumer Brochure 

New York

• City of Buffalo Collection Agency License #CAG24-10066957

North Carolina

• Loan Broker Registration #1154

North Dakota

• Money Broker License #MB103080 • Money Broker Branch Registration #NDBR1955422 • Collection Agency License #CA103081 • Collection Agency Branch Registration #NDBR1955422

Ohio

• Small Loan License #SL.400356.000

Oklahoma

• Supervised Lender License #SL008369 • Supervised Lender License #SL008697 • Supervised Lender License #SL009130 • Supervised Lender License #SL009129 • Supervised Lender License #SL009178

Oregon

• Collection Agency Registration #50218 • Consumer Finance License #0449-001-C • Consumer Finance Branch License #2711957 • Consumer Finance Branch License #1955422 • Payday/Title Loan License #1548935 • Payday/Title Loan Branch License #1955422

Pennsylvania

• Credit Services Loan Broker License #102236 • Credit Services Loan Broker License #114781 • Sales Finance License #109656 • Sales Finance License #116018 • Sales Finance License #116019

Rhode Island

• Small Loan Lender License #20173422SL • Small Loan Lender Branch License #20173422SL B01 • Lender License #20173420LL • Lender Branch Certificate #20173420LL B01 • Lender Branch Certificate #20173420LL B02 • Lender Branch Certificate #20173420LL B03 • Loan Broker License #20173421LB • Loan Broker Branch Certificate #20173421LB B01

South Carolina

• Supervised Lender License #SL-1548935 • Supervised Lender License #SLW1-1548935 • Supervised Lender License #SLW2 - 1548935 • Supervised Lender - Branch #SLB - 1955422

• South Carolina Consumer Pamphlet • Maximum Rate Schedule • Creditor Grantor Notification

South Dakota

• Money Lender License #MYL.3243 • Money Lender Branch License #2515767.MYL-br • Money Lender Branch License #1955422.MYL-br • Money Lender Branch License #2711957.MYL-br

Tennessee

• Collection Service Agency #2668

Texas

• Regulated Lender License #156897 • Regulated Lender License #173645 • Regulated Lender License #173651 • Regulated Lender License #174082 • Regulated Lender License #174093

Vermont

• Loan Solicitation License #LSO-1548935 • Loan Solicitation License – Other Trade Name #1 #LSO-1548935-1 • Loan Solicitation Branch License #LSO-1955422 • Loan Solicitation Branch License - Other Trade Name #1 #LSO-1955422-1 • Loan Solicitation License - Other Trade Name #2 #LSO-1548935-2 • Loan Solicitation Branch License - Other Trade Name #2 #LSOB-1955422-2 • Loan Solicitation License - Other Trade Name #3 #LSO-1548935-3 • Loan Solicitation Branch License - Other Trade Name #3 #LSOB-1955422-3 • Sales Finance License #SF-1548935 • Sales Finance Branch License #SF-2515767 • Sales Finance Branch License #SFB-2711957

• In Vermont: THIS IS A LOAN SOLICITATION ONLY. UPGRADE, INC. IS NOT THE LENDER. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

Washington

• Washington GAP Waiver Provider License #502171 • State Business License #604064618

West Virginia

• CSO Registration Statement #2379-6671 • Business Registration – Collection Agency #2379-6671 • Business Registration – Collection Agency #2410-4295

Wisconsin

• Consumer Act Registration #52758 • Loan Company License #3203-LC • Loan Company Branch License #3204-LC • Loan Company Branch License #2711957LC • Mortgage Banker License #1548935BA • Mortgage Banker Branch License #1955422BA • Mortgage Broker License #1548935BR • Mortgage Broker Branch License #1955422BR • Sales Finance Company License #613-SFC

Wyoming

• Sales Finance Company License #SFC-1126 • Sales Finance Company Branch License #SFC-1128 • Sales Finance Company Branch License #SFC-1148 • Sales Finance Company Branch License #SFC-1150