2 N Central Ave,
Phoenix, AZ 85004

Financial Services



Who We Are

Upgrade’s founding team pioneered fintech over a decade ago. In 2017 we launched Upgrade to create an online and mobile banking experience that delivers exceptional value to our customers by eliminating fees on everyday transactions and offering affordable and responsible credit through cards and loans. In 4 short years, over 12 million people have applied for an Upgrade card or loan, and we have made over $4 billion in affordable and responsible credit available to our customers. Our innovative Upgrade Card combines the payment convenience and flexibility of a credit card with the low cost and responsible credit of an installment loan. Our latest offering, Rewards Checking, gives customers access to no-fee checking accounts with cash back rewards on common everyday spending.

Our Goal

Our goal is to offer an online and mobile banking experience that delivers exceptional value, including affordable loans and cards, and helps our customers make good financial decisions so they can build the future they want.

How We Help

Our customers will get the most value by combining online and mobile rewards checking with affordable loans and cards, free credit monitoring, alerts and credit education tools.

Our Pillars

Operating with integrity

Building flexible and engaged teams

Supporting scalable and efficient growth

Providing caring customer experiences

Our Offices

San Francisco



Operations Center


Engineering Center


Engineering Center

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