How can I contact Upgrade?

Manage my application or account

You can check your application “To-do” list, upload documents, manage your accounts, and so much more:

Upgrade Account Dashboard Online via a Computer

Upgrade Mobile App Download on your device's app store

Help Center/ FAQs

Our expansive Help Center provides a wealth of knowledge!

Try inputting keywords into the search bar or click on the section that pertains to your question. If you can’t find the answer to your question, click into an individual article and click on the SUPPORT button for further assistance.

Contact Support

Our support hours of operations are Monday-Friday (5am-6pm) and Saturday/Sunday (6am-5pm) Pacific Time. 

What are you looking for?	How we can help
Want to apply for a product? How do I submit a new application?  I started my online application, but need help finishing it		Apply Online Try our easy, simple application process on our website for any Upgrade product
		Apply-by-Phone To complete a Personal Loan application-by-phone, call: [phone]
Have an application in progress? What’s the status of my application? What documents do I need to submit?	Submit Documents Please be aware that processing timeframes are always best when docs are uploaded to your account dashboard.
		Go to your dashboard →
		[e-mail]
	Application Questions
		Chat with Us Online
		[e-mail]
		[phone]
Need help on one of your accounts? I need help making a payment I want to change my due date  I have questions about my open account	Upgrade Card - Maintenance Card Activation, Report Card Lost/ Stolen/ Damaged
		Account Dashboard Log into your dashboard to active your card and/or report your card as lost, stolen or damaged.
		[e-mail]
		[phone]
	Upgrade Card - General/Payment General and payment support for your Upgrade Card
		Chat with Us Online Log into your account and locate the chat icon in the bottom right hand corner of your screen to chat with us!
		[e-mail]
		[phone]
	Personal Loan General and payment support for your personal loan
		Chat with Us Online Log into your account and locate the chat icon in the bottom right hand corner of your screen to chat with us!
		[e-mail]
		[phone]
	Banking General servicing support for your Rewards Checking account
		Chat with Us Online
		[e-mail]
		[phone]
Disputes I want to dispute a transaction I don't recognize a transaction on my account I need a refund	Upgrade Card Disputes
		Learn how to file a dispute directly on your account HERE
	Debit Card Disputes
		Contact VISA at 1 [phone]
	Rewards Checking ACH Disputes
		[phone]
Telecommunications Relay Services	Telecommunications Relay Services Upgrade accepts all forms of Telecommunications Relay Services (TRS) to facilitate telephone calls. Once you are connected with your preferred relay service, we invite you to contact us at:
		[phone]
	To learn more about Upgrade’s commitment to complying with the Americans with Disabilities Act (ADA), click HERE.
Invest	Investor Inquiries
		[e-mail]
Media/PR	Media Inquiries
		[e-mail]
Complaints	Submit a Complaint
		[e-mail]
Upgrade Employees	Employment Verification
		[e-mail]
	Employee Assistance Program (EAP)
		[phone]

Send Check Payments

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-6pm, Saturday and Sunday 6am-5pm Pacific Time prior to making a check payment so we can disable any automatic payments scheduled.

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	Upgrade, Inc. Lbx#452210 P.O. Box 52210 Phoenix, AZ 85072-2210

Send Mail

Location	Mail Type	Address
Upgrade Service Center	Customer Mail	Upgrade Inc. 2 North Central Ave. Flr 10 Phoenix, AZ 85004
Upgrade Headquarters	Corporate Mail	Upgrade Inc. 275 Battery St. Ste 2300 San Francisco, CA 94111