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

State

License

Consumer Information

Regulator Information

Alaska

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

Alaska Department of Commerce, Community, and Economic Development - Division of Corporations, Business, and Professional Licensing

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/ 

Arizona Department of Insurance and Financial Institutions

Arkansas

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

Arkansas Department of Labor and Licensing, State Board Of Collection Agencies

California

1. Debt Collection License #10608-99 1. Debt Collection Branch Registration 2. City of Irvine Business License #240000775 3. San Francisco Tax/Treasury Business Registration #1058783 4. Commercial Requester Account #AF3311

1. California Department of Financial Protection and Innovation

2. City of Irvine

3. San Francisco Treasurer and Tax Collector

4. California Department of Motor Vehicles

Colorado

1. Supervised Lender License #SUP-4000142 1. Supervised Lender License #SUP-4000142-001 1. Supervised Lender License #SUP-4000142-002 1. Supervised Lender License #SUP-4000142-003 2. City of Aurora Business License #S20120051-0001

1. Colorado Department of Law, Uniform Consumer Credit Code

2. City of Aurora

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

Connecticut Department of Banking, Consumer Credit Division

Delaware

• Motor Vehicle Sales Finance License #042067

Delaware Department of State, Office of the State Bank Commissioner

District of Columbia

• Basic Business License #400324807447

District of Columbia Department of Licensing and Consumer Protection, Business and Professional Licensing Administration

Florida

1. Sales Finance Company License #SF9902060 1. Sales Finance Company Branch License #SFB9900924 1. Sales Finance Company Branch License #SFB9900925 1. Motor Vehicle Service Agreement Salesperson - Firm License #G284394 2. Credit Services Organization Bond #AM3196024

1. Florida Office of Financial Regulation

2. Florida Credit Service Organization Act

Georgia

• Installment Lender License #1548935

Georgia Department of Banking and Finance

Hawaii

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

Hawaii Department of Commerce and Consumer Affairs, Professional and Vocational Licensing Division

Idaho

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

Idaho Department of Finance, Consumer Finance Bureau

Illinois

1. Residential Mortgage License #MB.6761518 2. Sales Finance Company License #SF.0001687 2. Sales Finance Agency Branch License #SF.0001688-BRH 2. Sales Finance Agency Branch License #SF.0001721-BRH 3. City of Chicago Debt Collection License #2983652 3. City of Chicago Debt Collection License #3025646 4. Payday Reform License #PL.0002053-H 4. Payday Reform License - Other Business Authorization #PL.0002054-OBA 5. Collection Agency License #17.022595 5. Collection Agency Branch License #009.002047

1. Illinois Department of Financial and Professional Regulation, Bureau of Residential Finance

2. Illinois Department of Financial and Professional Regulation, Division of Financial Institutions, Consumer Credit Section

3. City of Chicago Small Business Center, Department of Business Affairs and Consumer Protection

4. Illinois Department of Financial and Professional Regulation, Division of Financial Institutions, Consumer Credit Section

5. Illinois Department of Financial and Professional Regulation, Division of Financial Institutions, Consumer Credit Section

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

Iowa Department of Insurance and Financial Services, Division of Banking

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

Kansas Office of the State Bank Commissioner

Louisiana

1. Collection Agency Registration #42483451I 2. Licensed Lender License 2. Licensed Lender Branch License 2. Licensed Lender Branch License 3. Motor Vehicle Sales Finance License #SF-2026-00504 3. Motor Vehicle Sales Finance License #SF-2026-00505 3. Motor Vehicle Sales Finance License #SF-2026-00506 3. Motor Vehicle Sales Finance License #SF-2026-00507

1. Louisiana Secretary of State, Commercial Division

2. Louisiana Office of Financial Institutions, Non-Depository Division

3. Louisiana Motor Vehicle Commission

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

Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection

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.

Maryland Department of Labor, Office of Financial Regulation

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 • Motor Vehicle Sales Finance License - Branch #MV1548935 • Small Loan License #SL1548935 • Small Loan Branch License #SL1548935 • Small Loan Company Other Trade Name #1 #SL1548935 • Small Loan Company Other Trade Name #2 #SL1548935

Massachusetts Executive Office of Economic Development, Division of Banks

Michigan

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

Michigan Department of Insurance and Financial Services

Minnesota

1. Residential Mortgage Originator License #MN-MO-1548935 1. Residential Mortgage Originator - Other Trade Name License #1 #MN-MO-1548935.1 1. Motor Vehicle Sales Finance Company License #MN-MV-1548935 1. Motor Vehicle Sales Finance Company Branch License #MN-MVBR-2515767 1. Motor Vehicle Sales Finance Company Branch License #MN-MVBR-2711957 2. Collection Agency License #40958036 2. Collection Agency Branch License #40974298

1. Minnesota Department of Commerce, Financial Institutions Division, Non-Depository Institutions

2. Minnesota Department of Commerce

Mississippi

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

Mississippi Department of Banking and Consumer Finance, Nonbank Division

Missouri

• Motor Vehicle Time Sales Act License #365-26-9571 • Motor Vehicle Time Sales Act License #365-26-9790 • Motor Vehicle Time Sales Act License #365-26-9791

Missouri Department of Commerce and Insurance, Division of Finance

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

Montana Department of Administration, Division of Banking and Financial Institutions

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

Nebraska Department of Banking and Finance

Nevada

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

Nevada Department of Business and Industry, Financial Institutions Division

New Hampshire

1. Small Loan License #1548935SM 1. Motor Vehicle Sales Finance License #1548935SF 2. Credit Services Organization Bond #AM3196012

1. New Hampshire Banking Department

2. New Hampshire Credit Service Organizations Act

New Jersey

1. Motor Vehicle Commission EIN #927-460-000-94111-0 2. Debt Collection Agency Bond Registration #17276

1. New Jersey Motor Vehicle Commission

2. New Jersey Department of the Treasury, Division of Revenue and Enterprise Services

New Mexico

• Small Loan License #2078 • Small Loan License #2479 • Motor Vehicle 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 Mexico Regulation and Licensing Department, Financial Institutions Division

New York

• City of Buffalo Collection Agency License #CAG24-10066957

City of Buffalo, Department of Permit and Inspection Services, Office of Licenses and Permits

North Carolina

• Loan Broker Registration #1154 • Credit Repair Bond #AM3196011

North Carolina Secretary of State

North Dakota

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

North Dakota Department of Financial Institutions, Consumer Division

Ohio

• Small Loan License #SL.400356.000

Ohio Department of Commerce, Division of Financial Institutions, Consumer Finance

Oklahoma

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

Oklahoma Department of Consumer Credit

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

Oregon Department of Consumer and Business Services, Division of Financial Regulation

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

Pennsylvania Department of Banking and Securities

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

Rhode Island Department of Business Regulation, Division of Banking

South Carolina

1. Supervised Lender License #SL-1548935 1. Supervised Lender License #SLW1-1548935 1. Supervised Lender License #SLW2 - 1548935 1. Supervised Lender - Branch #SLB - 1955422 2. Credit Grantor Notification #CGL-136855 2. Credit Grantor Notification #CGL-155126 2. Credit Grantor Notification #CGL-156767 2. Credit Grantor Notification #CGL-168077 2. Credit Grantor Notification #CGL-172328 2. Credit Grantor Notification #CGL-181280 2. Max Rate Schedule #CLL-136857 2. Max Rate Schedule #CLL-155127 2. Max Rate Schedule #CLL-156768 2. Max Rate Schedule #CLL-168078 2. Max Rate Schedule #CLL-172329 2. Max Rate Schedule #CLL-181281

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

1. South Carolina State Board of Financial Institutions, Consumer Finance Division

2. South Carolina Department of Consumer Affairs

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

South Dakota Department of Labor and Regulation, Division of Banking

Tennessee

• Collection Service Agency #2668

Tennessee Department of Commerce and Insurance, Collection Service Board

Texas

1. Regulated Lender License #156897 1. Regulated Lender Branch License #174082 1. Regulated Lender Branch License #174093 1. Regulated Lender License - Other Trade Name #1 1. Regulated Lender License - Other Trade Name #2 2. Third Party Debt Collector Bond #AM3274692

1. Texas Office of Consumer Credit Commissioner

2. Texas Secretary of State

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.

Vermont Department of Financial Regulation, Banking Division

Washington

1. Washington GAP Waiver Provider License #502171 2. State Business License #604064618 3. Credit Services Organization Bond #AM3196015

1. Washington Office of the Insurance Commissioner

2. Washington Department of Revenue

3. Washington Credit Services Organizations Act

West Virginia

1. Credit Services Organization Registration #2379-6671 2. Business Registration – Collection Agency #2379-6671 2. Business Registration – Collection Agency #2410-4295

1. West Virginia Secretary of State

2. West Virginia State Tax Department

Wisconsin

1. Consumer Act Registration #52758 2. Loan Company License #3203-LC 2. Loan Company Branch License #3204-LC 2. Loan Company Branch License #2711957LC 2. Mortgage Banker License #1548935BA 2. Mortgage Banker Branch License #1955422BA 2. Mortgage Broker License #1548935BR 2. Mortgage Broker Branch License #1955422BR 2. Sales Finance Company License #613-SFC

1. Wisconsin Department of Financial Institutions

2. Wisconsin Department of Financial Institutions, Division of Banking

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

Wyoming Department of Audit, Division of Banking