state licenses
Upgrade: Upgrade, Inc. Overview - State Licenses and Consumer Information
Upgrade, Inc. ( NMLS #1548935) holds the licenses listed in the table below. Please refer to the NMLS Consumer Access website for additional information on our licenses that are maintained on the NMLS.
Upgrade, Inc.'s main office address is 275 Battery St., Suite 2300, San Francisco, CA 94111. Upgrade, Inc. can be reached at (844) 899-9931.
Upgrade, Inc. may operate under the following DBAs: Universal Credit, Flex Pay, and Pay Monthly. Please note DBAs will not be used for sales finance activities.
| State | License | Consumer Information | Regulator Information |
| Alaska | • Business License #2204058 • Business License #2204061 • Business License #2204092 |
Alaska Department of Commerce, Community, and Economic Development - Division of Corporations, Business, and Professional Licensing | |
| Arizona | • Consumer Lender License # CL-0939235 • Consumer Lender Branch License #CL-BR-1044221 • Collection Agency License # CA-0939236 • Collection Agency License - Other Trade Name #1 #CA-2001708 • Collection Agency License - Other Trade Name #2 #CA-2001709 • Sales Finance License # SF- 1042163 • Sales Finance Branch License # SF-BR-2010305 • Sales Finance Branch License # SF-BR-2010407 |
• NOTICE: Before signing any loan documents or otherwise committing to a loan, you may take copies of those documents away from the consumer lender's place of business for review. • To report any unresolved problems or complaints, contact the Arizona Department of Insurance and Financial Institutions by telephone at (602) 364-3100 or visit the website: https://difi.az.gov/ |
Arizona Department of Insurance and Financial Institutions |
| Arkansas | • Collection Agency License #5317 • Collection Agency License #AC-6655 |
Arkansas Department of Labor and Licensing, State Board Of Collection Agencies | |
| California | 1. Debt Collection License #10608-99 1. Debt Collection Branch Registration 2. City of Irvine Business License #240000775 3. San Francisco Tax/Treasury Business Registration #1058783 4. Commercial Requester Account #AF3311 |
1. California Department of Financial Protection and Innovation 2. City of Irvine 3. San Francisco Treasurer and Tax Collector 4. California Department of Motor Vehicles |
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| Colorado | 1. Supervised Lender License #SUP-4000142 1. Supervised Lender License #SUP-4000142-001 1. Supervised Lender License #SUP-4000142-002 1. Supervised Lender License #SUP-4000142-003 2. City of Aurora Business License #S20120051-0002 |
1. Colorado Department of Law, Uniform Consumer Credit Code 2. City of Aurora |
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| Connecticut | • Small Loan Company License #SLC-1548935 • Small Loan Company Branch License #SLC-BCH-1955422 • Small Loan Company Branch License #SLC-BCH-2711957 • Sales Finance Company License #SFC-1548935 • Sales Finance Company Branch License #SFC-BCH-1955422 • Sales Finance Company Branch License #SFC-BCH-2515767 • Sales Finance Company Branch License #SFC-BCH-2711957 |
Connecticut Department of Banking, Consumer Credit Division | |
| Delaware | 1. Motor Vehicle Sales Finance License #042067 2. Credit Services Organization Registration #10573830 3. Business License #2026710693 |
1. Delaware Department of State, Office of the State Bank Commissioner 2. State of Delaware Secretary of State, Division of Corporations 3. State of Delaware, Division of Revenue |
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| District of Columbia | • Basic Business License #400324807447 | District of Columbia Department of Licensing and Consumer Protection, Business and Professional Licensing Administration | |
| Florida | 1. Sales Finance Company License #SF9902060 1. Sales Finance Company Branch License #SFB9900924 1. Sales Finance Company Branch License #SFB9900925 1. Motor Vehicle Service Agreement Salesperson - Firm License #G284394 2. Credit Services Organization Bond #AM3196024 |
1. Florida Office of Financial Regulation 2. Florida Credit Service Organization Act |
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| Georgia | • Installment Lender License #1548935 | Georgia Department of Banking and Finance | |
| Hawaii | • Exempt Out-Of-State Collection Agency License #COLAX-1288-0 • Exempt Out-Of-State Collection Agency License #COLAX-1314-0 |
Hawaii Department of Commerce and Consumer Affairs, Professional and Vocational Licensing Division |
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| Idaho | • Regulated Lender License #RRL-9624 • Regulated Lender License (Branch) #RRLB-11005 |
Idaho Department of Finance, Consumer Finance Bureau | |
| Illinois | 1. Residential Mortgage License #MB.6761518 2. Sales Finance Company License #SF.0001687 2. Sales Finance Agency Branch License #SF.0001688-BRH 2. Sales Finance Agency Branch License #SF.0001721-BRH 3. City of Chicago Debt Collection License #2983652 3. City of Chicago Debt Collection License #3025646 4. Payday Reform License #PL.0002053-H 4. Payday Reform License - Other Business Authorization #PL.0002054-OBA 4. Payday Reform Branch License #PL.0002055 5. Collection Agency License #17.022595 5. Collection Agency Branch License #009.002047 |
1. Illinois Department of Financial and Professional Regulation, Bureau of Residential Finance 2. Illinois Department of Financial and Professional Regulation, Division of Financial Institutions, Consumer Credit Section 3. City of Chicago Small Business Center, Department of Business Affairs and Consumer Protection 4. Illinois Department of Financial and Professional Regulation, Division of Financial Institutions, Consumer Credit Section 5. Illinois Department of Financial and Professional Regulation, Division of Financial Institutions, Consumer Credit Section |
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| Iowa | • Master Loan Company Registration #88893575 • Nonresident Regulated Loan Company Branch License # 2021-0093 • Nonresident Regulated Loan Company Branch License # 2021-0112 • Nonresident Regulated Loan Company Branch License #2025-0116 |
Iowa Department of Insurance and Financial Services, Division of Banking | |
| Kansas | • Supervised Loan License #SL.0026635 • Supervised Loan Branch License #SL.0026635-BR.001 • Supervised Loan Branch License #SL.0027090-BR • Supervised Loan Branch License #SL.0027093-BR • Credit Notification #NOT.0026385 • Mortgage Company License #MC.0025649 • Mortgage Company Branch Registration #MC.0025649-BR.001 |
Kansas Office of the State Bank Commissioner | |
| Louisiana | 1. Collection Agency Registration #42483451I 2. Licensed Lender License 2. Licensed Lender Branch License 2. Licensed Lender Branch License 3. Motor Vehicle Sales Finance License #SF-2026-00504 3. Motor Vehicle Sales Finance License #SF-2026-00505 3. Motor Vehicle Sales Finance License #SF-2026-00506 3. Motor Vehicle Sales Finance License #SF-2026-00507 |
1. Louisiana Secretary of State, Commercial Division 2. Louisiana Office of Financial Institutions, Non-Depository Division 3. Louisiana Motor Vehicle Commission |
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| Maine | • Loan Servicer Registration #SVR14123 • Loan Servicer Branch Registration #SVB14334 • Loan Servicer Branch Registration #SVB16381 • Supervised Lender #SLM14121 • Supervised Lender Branch License #2711957 • Supervised Lender Branch License #1955422 • Sales Finance Company License #SFC16478 • Sales Finance Company Branch License #SFB16484 • Sales Finance Company Branch License #SFB16483 • Sales Finance Company Branch License #SFB16479 |
Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection | |
| Maryland | • Credit Services Business License #1548935 • Collection Agency License #1548935 • Sales Finance License #1548935 |
Please refer to the NMLS Consumer Access website for information on our licenses. Upgrade, Inc DBA Universal Credit's NMLS ID is 1548935. | Maryland Department of Labor, Office of Financial Regulation |
| Massachusetts | • Debt Collector License #DC1548935 • Debt Collector License Other Trade Name #1 #DC1548935 • Debt Collector License Other Trade Name #2 #DC1548935 • Debt Collector License (Branch) #DC1548935 • Motor Vehicle Sales Finance License #MV1548935 • Motor Vehicle Sales Finance License - Branch #MV2515767 • Motor Vehicle Sales Finance License - Branch #MV1548935 • Small Loan License #SL1548935 • Small Loan Branch License #SL1548935 • Small Loan Company Other Trade Name #1 #SL1548935 • Small Loan Company Other Trade Name #2 #SL1548935 |
Massachusetts Executive Office of Economic Development, Division of Banks | |
| Michigan | • Sales Finance License #SF 0026056 • Sales Finance License #SF 0026846 • Sales Finance License #SF 0026847 |
Michigan Department of Insurance and Financial Services | |
| Minnesota | 1. Residential Mortgage Originator License #MN-MO-1548935 1. Residential Mortgage Originator - Other Trade Name License #1 #MN-MO-1548935.1 1. Motor Vehicle Sales Finance Company License #MN-MV-1548935 1. Motor Vehicle Sales Finance Company Branch License #MN-MVBR-2515767 1. Motor Vehicle Sales Finance Company Branch License #MN-MVBR-2711957 2. Collection Agency License #40958036 2. Collection Agency Branch License #40974298 |
1. Minnesota Department of Commerce, Financial Institutions Division, Non-Depository Institutions 2. Minnesota Department of Commerce |
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| Mississippi | • Motor Vehicle Sales Finance Company License #1548935 • Motor Vehicle Sales Finance Branch License #2515767 • Motor Vehicle Sales Finance Branch License #2711957 • Consumer Loan Broker Company License #1548935 |
Mississippi Department of Banking and Consumer Finance, Nonbank Division | |
| Missouri | • Motor Vehicle Time Sales Act License #365-26-9571 • Motor Vehicle Time Sales Act License #365-26-9790 • Motor Vehicle Time Sales Act License #365-26-9791 |
Missouri Department of Commerce and Insurance, Division of Finance | |
| Montana | • Consumer Loan License #1548935 • Consumer Loan Branch License #1955422 • Consumer Loan Branch License #2713102 • Sales Finance Company License #1548935 • Sales Finance Branch License #2515767 • Sales Finance Branch License #1955422 • Sales Finance Branch License #2711957 |
Montana Department of Administration, Division of Banking and Financial Institutions | |
| Nebraska | • Installment Loan Company License #NE1548935-IL • Installment Loan Company Branch License #1955422 • Installment Loan Company Branch License #2515767 • Installment Loan Company Branch License #2711957 |
Nebraska Department of Banking and Finance | |
| Nevada | • Installment Loan Company License #IL11227 • Installment Loan Company License - Alternate Location #IL11260 • State Business License #NV20161623028 |
Nevada Department of Business and Industry, Financial Institutions Division | |
| New Hampshire | 1. Small Loan License #1548935SM 1. Motor Vehicle Sales Finance License #1548935SF 2. Credit Services Organization Bond #AM3196012 |
1. New Hampshire Banking Department 2. New Hampshire Credit Service Organizations Act |
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| New Jersey | 1. Motor Vehicle Commission EIN #927-460-000-94111-0 2. Debt Collection Agency Bond Registration #17276 |
1. New Jersey Motor Vehicle Commission 2. New Jersey Department of the Treasury, Division of Revenue and Enterprise Services |
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| New Mexico | • Small Loan License #2078 • Small Loan License #2479 • Motor Vehicle Sales Finance Company License • Motor Vehicle Sales Finance Branch Out of State • Motor Vehicle Sales Finance Branch Out of State |
• New Mexico Loan Rates and Fee Notice & Consumer Brochure | New Mexico Regulation and Licensing Department, Financial Institutions Division |
| New York | • City of Buffalo Collection Agency License #CAG24-10066957 | City of Buffalo, Department of Permit and Inspection Services, Office of Licenses and Permits | |
| North Carolina | • Loan Broker Registration #1154 • Credit Repair Bond #AM3196011 |
North Carolina Secretary of State | |
| North Dakota | • Money Broker License #MB103080 • Money Broker Branch Registration #NDBR1955422 • Collection Agency License #CA103081 • Collection Agency Branch Registration #NDBR1955422 |
North Dakota Department of Financial Institutions, Consumer Division | |
| Ohio | • Small Loan License #SL.400356.000 | Ohio Department of Commerce, Division of Financial Institutions, Consumer Finance | |
| Oklahoma | • Supervised Lender License #SL008369 • Supervised Lender License #SL008697 • Supervised Lender License #SL009130 • Supervised Lender License #SL009129 • Supervised Lender License #SL009178 |
Oklahoma Department of Consumer Credit | |
| Oregon | • Collection Agency Registration #50218 • Consumer Finance License #0449-001-C • Consumer Finance Branch License #2711957 • Consumer Finance Branch License #1955422 • Payday/Title Loan License #1548935 • Payday/Title Loan Branch License #1955422 |
Oregon Department of Consumer and Business Services, Division of Financial Regulation | |
| Pennsylvania | 1. Credit Services Loan Broker License #102236 1. Credit Services Loan Broker License #114781 1. Sales Finance License #109656 1. Sales Finance License #116018 1. Sales Finance License #116019 |
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| 2. Credit Services Organization Bond #0006464263 | 1. Pennsylvania Department of Banking and Securities 2. Pennsylvania Department of State: Bureau of Corporations and Charitable Organizations |
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| Rhode Island | • Small Loan Lender License #20173422SL • Small Loan Lender Branch License #20173422SL B01 • Lender License #20173420LL • Lender Branch Certificate #20173420LL B01 • Lender Branch Certificate #20173420LL B02 • Lender Branch Certificate #20173420LL B03 • Loan Broker License #20173421LB • Loan Broker Branch Certificate #20173421LB B01 |
Rhode Island Department of Business Regulation, Division of Banking | |
| South Carolina | 1. Supervised Lender License #SL-1548935 1. Supervised Lender License #SLW1-1548935 1. Supervised Lender License #SLW2 - 1548935 1. Supervised Lender - Branch #SLB - 1955422 2. Credit Grantor Notification #CGL-136855 2. Credit Grantor Notification #CGL-155126 2. Credit Grantor Notification #CGL-156767 2. Credit Grantor Notification #CGL-168077 2. Credit Grantor Notification #CGL-172328 2. Credit Grantor Notification #CGL-181280 2. Max Rate Schedule #CLL-136857 2. Max Rate Schedule #CLL-155127 2. Max Rate Schedule #CLL-156768 2. Max Rate Schedule #CLL-168078 2. Max Rate Schedule #CLL-172329 2. Max Rate Schedule #CLL-181281 |
• South Carolina Consumer Pamphlet • Maximum Rate Schedule • Creditor Grantor Notification |
1. South Carolina State Board of Financial Institutions, Consumer Finance Division 2. South Carolina Department of Consumer Affairs |
| South Dakota | • Money Lender License #1548935.MYL • Money Lender Branch License #2515767.MYL-br • Money Lender Branch License #1955422.MYL-br • Money Lender Branch License #2711957.MYL-br |
South Dakota Department of Labor and Regulation, Division of Banking | |
| Tennessee | 1. Industrial Loan and Thrift Company Registration #1548935 | 1. Tennessee Department of Financial Institutions, Compliance Division | |
| Texas | 1. Regulated Lender License #156897 1. Regulated Lender Branch License #174082 1. Regulated Lender Branch License #174093 1. Regulated Lender Branch License #2515767 1.Regulated Lender License - Other Trade Name #1 1. Regulated Lender License - Other Trade Name #2 2. Third Party Debt Collector Bond #AM3274692 |
1. Texas Office of Consumer Credit Commissioner 2. Texas Secretary of State |
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| Vermont | • Loan Solicitation License #LSO-1548935 • Loan Solicitation License – Other Trade Name #1 #LSO-1548935-1 • Loan Solicitation Branch License #LSO-1955422 • Loan Solicitation Branch License - Other Trade Name #1 #LSO-1955422-1 • Loan Solicitation License - Other Trade Name #2 #LSO-1548935-2 • Loan Solicitation Branch License - Other Trade Name #2 #LSOB-1955422-2 • Loan Solicitation License - Other Trade Name #3 #LSO-1548935-3 • Loan Solicitation Branch License - Other Trade Name #3 #LSOB-1955422-3 • Sales Finance License #SF-1548935 • Sales Finance Branch License #SF-2515767 • Sales Finance Branch License #SFB-2711957 |
• In Vermont: THIS IS A LOAN SOLICITATION ONLY. UPGRADE, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. | Vermont Department of Financial Regulation, Banking Division |
| Washington | 1. Washington GAP Waiver Provider License #502171 2. State Business License #604064618 3. Credit Services Organization Bond #AM3196015 |
1. Washington Office of the Insurance Commissioner 2. Washington Department of Revenue 3. Washington Credit Services Organizations Act |
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| West Virginia | 1. Credit Services Organization Registration #2379-6671 2. Business Registration – Collection Agency # 2379-6671 2. Business Registration – Collection Agency # 2410-4295 |
1. West Virginia Secretary of State 2. West Virginia State Tax Department |
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| Wisconsin | 1. Consumer Act Registration #52758 2. Loan Company License # 3203-LC 2. Loan Company Branch License # 3204-LC 2. Loan Company Branch License #2711957LC 2. Mortgage Banker License #1548935BA 2. Mortgage Banker Branch License #1955422BA 2. Mortgage Broker License #1548935BR 2. Mortgage Broker Branch License #1955422BR 2. Sales Finance Company License #613-SFC |
1. Wisconsin Department of Financial Institutions 2. Wisconsin Department of Financial Institutions, Division of Banking |
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| Wyoming | • Sales Finance Company License #SFC-1126 • Sales Finance Company Branch License #SFC-1128 • Sales Finance Company Branch License #SFC-1148 • Sales Finance Company Branch License #SFC-1150 |
Wyoming Department of Audit, Division of Banking |