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Upgrade Login: How To Access Your Upgrade Accounts Online

Upgrade customers get the most value by combining Rewards Checking with affordable loans and cards, free credit monitoring, and credit education tools. However, the Upgrade Login portal commonly called “portal” allows you to Sign in to securely access your Upgrade Personal loans, Upgrade Card, Rewards Checking, and Credit Health accounts online.

This article contains general information regarding managing your Upgrade online account. If you have Upgrade credit card account, Upgrade loan account, Upgrade checking or health account, this article will help you to sign in to your account and also make your Upgrade payments.

What You Should Know About Upgrade

Upgrade is a financial technology company that offers affordable and responsible credit to mainstream consumers through cards and personal loans, together with free credit monitoring and education tools that help consumers better understand and manage their finances. 

Personal loans offered through Upgrade are installment loans that range from $1,000 to $50,000. Loans feature annual percentage rates (APRs) of 5.94% to 35.97% and fixed terms between 24 to 84* months. Actual rate depends on factors in your individual credit profile.

The Upgrade Card with a personal credit line offered through Upgrade includes lines from $500 to $25,000. The Upgrade Card combines the flexibility of a credit card with the low cost and predictability of a personal loan. You can pay with the Upgrade card online and at retail locations, or have funds sent directly to your bank account.

Your rate and terms are fixed. Plus, there are no fees, so you can set your budget and know there are no unexpected expenses or unpredictable payments. Minimum line amounts may vary, depending on your state of residency and your individual credit profile.

Upgrade Login: How To Manage Your Upgrade Accounts

You can log in to manage your Upgrade account online whether you have Upgrade Visa® Card with Cash Rewards account, Upgrade loan account, Upgrade checking or health account, by going to the login page on the Upgrade website or mobile app and entering your username and password in the appropriate fields. Then, click “Sign In To Your Account” to access your online account.

How to Log In to a Upgrade Account

Upgrade Login: How To Manage Your Upgrade Accounts
  • Go to the Upgrade login page.
  • Fill out the “Email Address” and “Password” fields with your credentials.
  • Click “Sign In To Your Account” to access your account.

After you have logged in, you’ll be able to manage your Upgrade account online. You can pay your credit card bill, make your Upgrade loan payment, check account balances, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

I forgot my password, how do I reset it? Please follow these steps to reset your password:

  • Go to the login page at Upgrade.com
  • Click “Forgot Your Password?”
  • Enter in the email address you used to submit your application
  • Check your email and click on the link to reset your password
  • Verify some basic information
  • Update your password

Upgrade Mobile App

Upgrade recently released the first version of the Upgrade mobile app which allows customers to manage their Upgrade account on the go. The Upgrade mobile app supports Apple users with an iPhone 7 or newer running iOS 9 or later as well as Google users running Android 6 (Marshmallow) or later. You can download the Android app here, and the iOS app here.

How To Contact Upgrade

You can contact Upgrade by emailing them at [email protected] To speak with an Upgrade representative, you may call their toll-free line at (844) 319-3909 Monday-Friday, 5am-7pm, Saturday and Sunday 5am-6pm Pacific Time. 

If you have a complaint about Upgrade, your account, or customer service, please contact their team at [email protected]

If you’d like to make a check payment, please make the check out to Upgrade, Inc., write your Loan ID Number in the memo line.

To mail the check, please send it to:

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

For Courier Deposits (FedEx, UPS, etc.):
Upgrade, Inc.
Attn: Batching Dept. lbx#452210
530 W Alameda Dr.
Suite 105
Tempe, AZ 85282

Any Check Payment not made to Upgrade Inc. or checks sent to the incorrect address depending on the mailing method may cause delays in accepting the check payment and applying it to your account. Click here for more information about paying by check.

For all other written correspondence, please send to:

Upgrade Inc.
Suite 2300
275 Battery Street
San Francisco, CA 94111

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