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Can I pay by check?

Physical checks are only accepted for payments to an Upgrade credit product and will not be accepted for deposit or account funding. See How can I make a deposit to my checking or savings account? for additional information.

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:

  • All Payments (Excluding Auto Finance):

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

  • Auto Finance Payments (Indirect Auto, Auto Refinance, Auto Secured):

Upgrade, Inc. Lbx #52303 P.O. Box 52303 Phoenix, AZ 85072-2303

  • Flex Pay Payments (Canada Customers):

Flex Pay c/o Upgrade, Inc. 1080 Beaver Hall Hl Suite 200 Montreal, 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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