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About UpgradeUSA

Where Computers Meet Convenience and Credit-Building.

UpgradeUSA - Build Your Credit

Welcome to UpgradeUSA, the country's best leasing company! We're glad you're here, and we're happy to tell you more about us. To start, you can watch this video:

In short, UpgradeUSA helps solve a pain point for a growing number of people and small businesses/organizations in the US: how to get quality computer technology for home, work, or school on a monthly payment plan.

We offer two types of payment plan programs at UpgradeUSA: a credit-builder program, and our Payment Plan Outlet program.

  • Our consumer Credit-Builder program features new and factory-refurbished laptop and tablet computers for qualified customers - and we report each monthly payment to all three major U.S. credit bureaus. Customers can choose to purchase the computer at any time during the lease process, or can end their lease at any time after a few months (varies by state) and return the computer to us, with no penalty. Leases typically end at 17 months, at which point the customer will own the computer - and their credit scores can be helped in the process. This program is available in a growing number of states across the U.S.
  • Our Business program is a way for people or businesses to lease multiple computer systems, or more expensive computers, without paying extra for the credit-building service. We offer a wide variety of products in our Outlet program, and can order just about any kind of commercial equipment. If you are a startup, a small business, a school, or a consumer looking for a high-end laptop such as a gaming system, the Payment Plan Outlet is the way to go! These programs last for 24 months, at which point customers will own the merchandise.

And finally, for consumers who want to get approved but are worried about how their credit score might impact their approval chances, we invite them to apply with our friends with There, customers will find a no-credit-needed option, as well as some fantastic early payoff options, for laptops and other computer products.

Learn about Our Philosophy and why we believe leasing is one of the best ways to help consumers establish, build, or re-build credit while using mobile computers. 

Please read a welcome note from our Founder & CEO.

UpgradeUSA is privately owned, and is headquartered in Austin, Texas.


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Is UpgradeUSA for real?

We are for real, and it's smart to be skeptical. We promise that you'll love our company's quality and customer service. We also really work to help you establish a credit history, and our prices don't change based on your credit score. Give us a try; we deliver on what we promise.

Break Out of The Norm


Simple & Effective

According to recent data, just under 40 percent of US consumers have credit that is considered bad. Turning this around takes time, but our program can provide the first steps for those who want to move up the credit ladder.