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Payments

  • What if I’m unable to make my monthly payment because of my student loans?
  • Can I change my payment due date?
  • What if I’m unable to make my monthly payment?
  • What is autopay?
  • Debit Card Payment Terms and Conditions
  • Can I pay off my loan early?
  • Can I cancel my scheduled payment?
  • Debt Settlement Companies
  • How do I pay back the balance on my Upgrade Card?
  • Is there any benefit in paying off my personal loan or Upgrade Card early?
  • Where do I locate the actual amount that will be placed in my bank account after the origination fee?
  • Are there any prepayment fees?
  • When is my first monthly payment due?
  • Am I able to pay by phone?
  • Can I pay by check?
  • Can I lower my monthly payment?
  • How do I find my payoff amount?
  • Are there any late fees?
  • COVID-19 help for Upgrade customers
  • About Us
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Contact@upgrade.com275 Battery Street, 23rd Floor, San Francisco, CA 94111, USACopyright 2017 Upgrade, Inc. All rights reserved.
Personal Loans and Auto Refinance Loans are made by Upgrade's bank partners. Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender.
Personal Credit Lines are made by Cross River Bank, Member FDIC. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc. Bitcoin services and accounts are provided by NYDIG. NYDIG is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. See NYDIG Terms.
Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs.
Checking and savings accounts are provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Upgrade is a financial technology company, not a bank