Auto Financing | Upgrade

Join the dealer network that's driven by relationships

Upgrade helps your dealership grow revenue

Customer Pre-Qualification Program

RevUp Rewards

A rewards program designed for dealerships by Upgrade 1

Upgrade GAP and VSC

Add value and revenue to your dealership with Upgrade product differentiators 2

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*](/content/en-ca/press/memos/upgrade-auto-1b-originations-gap-vsc/index.html)

June 29, 2025

*Upgrade, Inc. Partners with Over 1,000 Dealers for Rapidly Growing Auto Financing Program*](/content/en-ca/press/memos/upgrade-inc-partners-with-over-1-000-dealers-for-rapidly-growing-auto-financing-program/index.html)

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. He has successfully launched multiple companies from start up to sale. Most recently Scott started CRB AUTO which was sold to Mechanics Bank. Scott has a wealth of experience in prime, non prime and subprime arenas working for captive, independent and banking entities.

John Clausing

VP, Credit Risk

John has over 30 years of consumer lending experience with over 20 years in Credit Risk Management focused on indirect auto lending. John has developed and implemented manual and automated origination strategies, credit policy, fraud controls and default risk scorecards culminating in monthly origination volumes exceeding $2.5B monthly for Wells Fargo Auto and Mechanics Bank.

Claudia Villalobos

VP, Funding & Servicing Coordinator

Claudia has more than 20 years of experience in funding originations, servicing operations, and internal and external audit reviews. Claudia served 4 years as SVP of Servicing Operations for RumbleOn Finance. Prior to that she served 8 years as VP, National funding manager for CRB Auto/Mechanics Bank.

Jeff Weaver

VP, Originations

Jeff is an industry veteran with nearly 35 years of experience in building Indirect Auto Finance non-bank organizations ranging from independent start-ups to companies acquired by large banks such as Capital One, TCF Bank and Mechanics Bank.

Marc Greenberg

Director, Credit Management

Marc has nearly 30 years of experience in all aspects of auto lending. After 20 years at Wells Fargo Auto Finance where he oversaw business units in several states, Marc joined Mechanics Bank and opened the Northern California Dealer Center, leading it to become the most profitable division.

Deanna Wood

VP, Sales

Deanna was VP, Regional Sales Manager at Wells Fargo and Mechanics Bank. Deanna has over 25 years of experience in sales, business management, credit underwriting, and product development. She has a proven track record of guiding teams through rapid growth and change, while inspiring them to achieve the highest standards of quality and productivity.

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!

Upgrade offers reliable service to keep your customers happy

8M+

Customers

$50B+

Borrowed

50K+

Reviews