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Yes, you can adjust your payment date to the day of the month that’s best for you, up to 15 days before or after your assigned payment date. You can make this adjustment on your dashboard.

Auto refinance loan through Upgrade amounts range from $5,000 to $65,000, providing flexibility based on the borrower's needs and the vehicle’s value.

To be eligible for refinancing through Upgrade, the existing auto loan must have an outstanding balance greater than $5,000, and at least three monthly payments must have been made. Additionally, the vehicle must be ten years old or newer with under 130,000 miles (or 150,000 miles for trucks).

Yes, as long as you’re up to date with your payments, you can make an additional, principal-only payment. A principal-only payment is separate from your monthly payment, and you’re still responsible for making your monthly payment.

Yes, if you’re an Upgrade Auto Finance customer, that means that your retail installment sales contract (“RISC”) was assigned to Upgrade or one of its partners. As an Auto Finance customer, Upgrade will service your RISC, including reporting your payment history to credit reporting agencies.