Auto Financing | Upgrade
Join the dealer network that's driven by relationships
Upgrade helps your dealership grow revenue
Customer Pre-Qualification Program
Tap into Upgrade's 7M+ customers
- Free, pre-qualified leads straight to your door
- Complimentary marketing of your online vehicle inventory
- Priority decisioning
RevUp Rewards
A rewards program designed for dealerships by Upgrade
- Encourages team goal mindset and friendly competition
- Thousands of reward options to choose from
- Acknowledgment and appreciation of your team’s incredible hard work
Upgrade GAP and VSC
Add value and revenue to your dealership with Upgrade product differentiators
- Coverage up to 84 months available
- Up to $50,000 in waived amounts and up to $1,000 in deductible reimbursement
- VSC through Upgrade can cover the replacement cost for engines, transmissions, and much more
Read the latest news about Upgrade's auto financing power
Upgrade Auto Surpasses $1 Billion in Total Originations, Launches GAP Coverage and Vehicle Service Contracts
June 29, 2025
Upgrade, Inc. Partners with Over 1,000 Dealers for Rapidly Growing Auto Financing Program
January 14, 2025
Hear from our dealers
“It sure is a pleasure to be working with Upgrade! Their full spectrum financing approach, incredible flexibility, accessible credit and sales teams, and most importantly their fast funding, make it fun and easy to put deals together. They've built a super team of people that value the importance of relationships. I haven't seen that for a while.”
-- Greg Hitch, Finance Director at Trucks Only, Arizona
Streamlined decisioning, fast funding and innovation
Automated decisioning
We offer the best of both worlds: automated speed paired with the nuanced judgment of our experienced analysts - ensuring you get a fast, smart decision.
Flats paid
Enjoy a simple, transparent fee structure. Upgrade pays flats of up to 4% of the amount financed.
Fast funding
Don’t wait to get paid. Upgrade processes contract funds quickly so that the majority of our contracts are funded the very same day.
Innovative technology
Upgrade's product offering sets us apart. Our flexible terms, aftermarket products, and innovative technology solutions are designed for both customers and dealership teams.
The team includes experienced industry leaders
Scott Raymer
SVP, Head of Auto Scott is a seasoned veteran in auto and powersports financing with over 36 years of experience.
John Clausing
VP, Credit Risk John has over 30 years of consumer lending experience focused on indirect auto lending.
Claudia Villalobos
VP, Funding & Servicing Coordinator Claudia has more than 20 years of experience in funding originations and servicing operations.
Jeff Weaver
VP, Originations Jeff is an industry veteran with nearly 35 years of experience in building Indirect Auto Finance organizations.
Marc Greenberg
Director, Credit Management Marc has nearly 30 years of experience in all aspects of auto lending.
Deanna Wood
VP, Sales Deanna has over 25 years of experience in sales and business management.
Meet Your Regional Upgrade Sales Manager
Brian Bracken
Southwest Region bbracken@upgrade.com
Dawn McCrumn
Southern California Region dmccrumn@upgrade.com
Nicole Bulwa
Northern California and Oregon nbulwa@upgrade.com
Upgrade Auto is available in almost all 50 states!
Interested in getting your dealership onboarded?
Upgrade offers reliable service to keep your customers happy
8M+
Customers
$50B+
Borrowed
50K+
Reviews