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 [phone], Monday - Friday 5AM - 7PM PT, Saturday & Sunday 6AM - 5PM PT prior to making a check payment so we can disable any automatic payments scheduled.

If you’re a Flex Pay customer, please make your check payable to Upgrade Inc., add your account ID as a note on the check,  and mail it to:

Flex Pay

Upgrade, Inc.

2 N Central Ave., 10th Floor

Phoenix, Arizona 85004

Here are the most common delays in processing check payments:

• Check payment is NOT made out to Upgrade Inc.
• Check payment does NOT include an Upgrade Account ID
• Check payment is sent to the INCORRECT address

For the best time frame, please ensure your check payment follows these guidelines:

Check Example
Pay to the Order Of	Upgrade, Inc.
Memo Line/Account ID	Insert your Account ID into the memo line which can be found by logging into your Upgrade Account.  Note - If you have multiple accounts with us and wish to make payments for both accounts, please send us separate checks with your Account ID number(s) in the memo line. If we receive a single check without an Account ID written in the memo line and the amount of that check is different from the sum of the due amounts for your two accounts, we will first apply the funds to the account with the greater past due amount, if applicable, and then to the older of the two accounts
Check Mailing Address	All Payments (Excluding Auto Finance and Flex Pay): Upgrade, Inc. Lbx#452210 P.O. Box 52210 Phoenix, AZ 85072-2210	Auto Financing Payments: Upgrade, Inc. Lbx#52303 P.O. Box 52303 Phoenix, AZ 85072-2303
	Flex Pay (US Customers): Upgrade, Inc. 2 North Central Ave. Flr 10 Phoenix, AZ 85004	Flex Pay (Canada Customers): Upgrade, Inc. 200-1080 Côte du Beaver Hall Montreal, Quebec H2Z 1S8, CA