Skip navigation

Frequently Asked Questions

Have a question about UpgradeUSA's leasing program?  Click the question for an answer.

UpgradeUSA - Upgrade your Credit

General Questions About the UpgradeUSA Program

Who is the UpgradeUSA program designed to help?

UpgradeUSA's online-only service is helping people across the country get access to technology through afforable, monthly payments.

We work with a wide variety of people across the country – our customers tend to be good people who are in a position of needing a monthly payment plan that fits their budget. Our credit-bulder laptop payment plan program allows for a flexible and easy way to build credit with monthly payments for computers, and anyone can apply. People in need of establishing or rebuilding credit, including budget-minded consumers, students, gamers, and recent legal immigrants, can benefit from our program at UpgradeUSA.

We also work with many small businesses, particularly through our Payment Plan Outlet program, that want a smarter way to manage their cash flow, because monthly payments can often make more operational sense than purchasing a bunch of assets all at once.

What is leasing?

In broad terms, leasing is an agreement in which a client can use someone else’s property for a specified amount of time and cost. Our leasing program is flexible, provides options to help our customers achieve ownership of a laptop or tablet computer on a schedule that is convenient for them, and helps people build credit with each monthly payment.

Is the UpgradeUSA program different than a local rent-to-own store?

Yes. The UpgradeUSA program can be a better choice than local rent-to-own stores for several reasons:


• First, if you're in our "credit-starter" program, we report each payment to all three major U.S. credit bureaus every month, and by doing this we are committed to helping you build a positive credit history;

• Second, we are an online-only company, allowing you the convenience of shopping and making payments from your home or mobile phone. We deliver directly to your door;

• Third, we are only focused on high-tech products, with a desire to bring the latest in mobile computing to a large number of people across the United States;

• Fourth, we lease high-quality, name-brand products at affordable monthly payments that don’t change based on your application or credit score. We emphasize quality in everything we do here at UpgradeUSA.


Do you provide financing for laptop and tablet computers?

UpgradeUSA is a leasing company, not a financing company. Our program offers quite a few benefits from traditional financing options, including flexibility and budget predictability - and we help customers build credit every month. Our inventory changes frequently, so browse our selection today!

What makes UpgradeUSA better than other payment plan options?

Until now, consumers who want or need to build credit have had few Internet-based options to get a reasonable payment plan for any kind of computer, including laptops or tablets. At UpgradeUSA, we provide our customers with the opportunity to make use of the latest computing technology while helping them build their credit with a monthly payment. Our “credit starter” program focuses on you – we make sure that the payments for laptop and tablet computers are reasonable, fair, and with a business you can trust.

For customers who just want to shop online for the lowest monthly price, we've introduced a new Outlet program which doesn't help build credit, but does make some higher-end computers a lot more affordable.

AND, for customers who are worried about their credit score and don't want their credit pulled, we have a third option! We've introduced a no-credit-needed option at, which won't put you through the credit process. The products there are just as fantastic, and the payoff options can't be beat.

We welcome your questions - we are sincere, genuine, and pretty nice, too!

Is this too good to be true?

We hear this question every day, and we are glad you asked! UpgradeUSA is committed to providing the highest quality computers on a reasonable monthly payment plan that is reported to all three credit bureaus. We have seen too many companies take advantage of consumers who shop online, and we couldn’t be more different. You can read about us in the news, watch a short video from our founder and CEO, or browse testimonials from our actual customers – and we encourage you to contact us if you have any questions or concerns at all.

What is your interest rate?

UpgradeUSA offers laptop computers on a monthly payment plan. Because it is a lease, and not financing, there is no interest charged in our program. There is a lease fee with each monthly payment, and customers are welcome to pay the account off early, or cancel the lease and ship the laptop back, to avoid any further lease fees.

Does UpgradeUSA offer anything other than computers?

We are focused on delivering our customers a variety of high-quality, brand-name products on payment plans. Today, our consumer business is focused on laptop, tablet, and desktop computers. We can order just about any kind of equipment, in large quantities, for customers on our business program. Our selection varies regularly based on demand and availability of the best deals for our customers. Please view our current selection today, and if there are any products you would like to see, please contact us!

Choosing a Computer

What brand of laptops or tablets do you carry?

At UpgradeUSA we are committed to offering the best laptop and tablet brands available! Depending on our current inventory, we carry brands such as Apple, Dell, HP, Sony, and Toshiba, among others. If there is a laptop or tablet that you’d like to see us carry, contact us today!

What if I don't want to continue leasing the computer?

If you change your mind and want to end your lease, we make it easy for you. You have two choices: 1) you can pay off your account at any time at a lower price, or 2) you can let us know that you're canceling the lease (after the minimum lease term has ended) and we will work with you to arrange a return of the computer. We try to make things very easy for our customers, and we hope that you're delighted with our service!

Do you ship to P.O. Box addresses?

No, we are only able to ship computers directly to a physical address.

Once I'm approved, how long do I have to make a decision?

After you receive your approval email and activate your account, you can start your lease at any time. Our inventory changes each week so if you see something you like, keep in mind that it may be gone if you wait too long. If you don’t see what you’re looking for, keep checking our inventory or contact us today!

When will I receive the laptop or tablet?

We ship our computers after we receive your first payment. You can browse our laptops and each one has the expected shipping time listed in the description. Some computers may ship the same day, and others may take longer depending on their special order status. If you require expedited shipping, contact us and we will work with you on shipping arrangements.

Is there any software included with the computer?

Each computer comes with factory-installed software, such as games or trial versions of software. You are welcome to install whatever software or applications you prefer. We also encourage you to use anti-virus, spyware, and malware protection – there are some great free options available that will ensure optimal performance.

Application and Approval Process

Can students benefit from the UpgradeUSA program?

Yes! Students find that participating in the UpgradeUSA program can help them establish credit. Having a credit history will put students in a better financial position when they are ready to apply for high-ticket items such as cars or houses. Students must be at least 18 years old to apply.

I just moved to the United States and need to establish credit. Can you help recent immigrants?

Yes! If you are a recent immigrant or are going through the immigration process, have a social security number, and need to establish credit, we would love to help you. Please fill out our application and select “yes” for the question “Are you a recent immigrant to the U.S.?” We encourage you to add some personal references, which could include your immigration lawyer, employer, or a family member.

Do you check credit in the UpgradeUSA application process?

Yes. While no credit history is required to do business with UpgradeUSA's credit-builder program, and we welcome people who want to build a good credit history with our payment plans, we do check credit as part of the application process.

We do this because we genuinely want to help our customers get their credit to a better spot, and we need to know where our customers are starting from to determine if and how we can help them. UpgradeUSA is committed to helping customers establish, build, or rebuild their credit, and we don't change our prices based on anyone's credit score.

Requirements for our Outlet program are a little different, and we recommend that applicants at a minimum of a 550 credit score to start. However, applicants may be approved or denied for a variety of reasons beyond just a credit score.
Looking for a no-credit-check option? Click here for more information about what we can offer.

Can I still apply even if I have bad credit or no credit?

Yes! We have three options to help you get a payment plan on an item you really want:

1) Our credit-builder program is designed to help people build a credit history. Our laptop payment plans are a great way to help you build credit. The credit-builder program looks at more than just a credit score when approving our customers, because a computer-generated score doesn't tell the whole story. The best way to build credit is to make monthly payments consistently over time, and with our low monthly prices, building your credit could not be any easier.

2) Our Outlet program, which lasts for 24 months, works a little differently - on that program, customers pay less over time but don't get the benefits of building credit. We recommend that applicants to the Outlet program have a credit score of 550 and above. The UpgradeUSA Outlet program is perfect for businesses too.

3) A no-credit-needed option - If you are looking for a laptop without the credit check, or are concerned about how your credit will affect an approval, we recommend visiting our new site, There you will find some fantastic options and low monthly or weekly prices, with outstanding early payoff options.

It's a win-win-win! Give us a try!

What are the requirements to be approved?

The first step to getting approved is to fill out our online application. Our application is quick and requests basic contact information, as well as some personal information to verify your identity. This includes your social security number and date of birth. We're looking for people we can build a great relationship with. Click here to get your application started!

Credit Building

What can I do to ensure that reporting to the credit bureaus is positive?

All you have to do is make your monthly payments on time, and we will take care of the rest. If you find yourself needing extra time, please contact us and we are happy to work with you. We enjoy delivering positive reports on our customers every month!

How often do you report to the credit bureaus?

For our main "credit starter" program, we report our customers’ payment history every month to all 3 major U.S. credit bureaus - Experian, TransUnion, and Equifax. We are not able to report full payment history for laptops obtained through the Outlet program.

How much will this raise my credit score?

We appreciate that question and hear it often – it really depends on you. Building credit is a lot like losing weight – a diet that works for a friend may not work for you, and it’s not just eating better or exercising more; there are many factors involved that determine how quickly someone can lose weight. The same is true for improving credit scores. While we won’t have all of your credit history to make a determination on the number of points your score will increase, we do know that making consistent, on-time payments on credit accounts is the best way to build a positive credit history.

Payments and Billing

How much will my payments be?

The amount of your payment depends on the laptop or tablet computer that you select - you can see the monthly payment amount of each computer by viewing our current inventory. We strive to deliver a variety of options to meet our customers’ budgets. If you don't see what you're looking for, please use our contact form or send us a note on Facebook!

What payment methods do you accept?

We accept debit cards and all major credit cards, including Visa, MasterCard, Diners Club, Discover, and American Express.

Is there a minimum lease term?

If you decide to lease with UpgradeUSA's credit-bulider program, you will need to commit to it for a few months; after that, it is a month-to-month program that you can end whenever you like by paying off the remainder of what you owe, or sending the computer back to us. The minimum lease term varies by state and is listed in the lease agreement. We provide all of our customers with a payoff table - and their payoff amount gets lower every month.

If you choose the Payment Plan Outlet program, you'll commit to a minimum of 21 months. You'll pay less overall for the Outlet program, and the payment plans we offer on that program are outstanding! It's great for gamers, businesses, and more.

How do I make a payment?

We've worked hard to make payments very easy for our customers. When you set up your account, you will make your first payment with a credit or debit card, and will then be automatically set up for future payments. You will be able to review your payment schedule, early pay off chart, and lease agreement at any time online. If you'd like to pay off your lease early, or make advance payments, you always have the option to make one-time payments to your account by contacting our support staff.

Can I pay off my lease early?

You bet! You can pay the remaining balance on the laptop at any time! The payoff is lower with each monthly payment and the payoff schedule is available under ‘My Account’ on the UpgradeUSA site. However, as part of UpgradeUSA’s program, we report each monthly payment to all three credit bureaus, so the longer you make payments, the more credit history you will build. Please contact us if you have any questions about paying off your account early.

Do I have to make a down payment?

There is no charge to apply to the UpgradeUSA program. We will ship the computer after we receive your first monthly payment, plus shipping and processing. Your first payment will vary depending on which laptop you select, and we offer a variety of computers to fit almost any budget.

What if I forget to pay when my monthly payment is due?

We will set you up on an “autopay” system with your debit or credit card, like a monthly subscription, to make it easy for you to remember your payments. In addition, we will send a reminder email to the email address in your application up to 4 days prior to your payment due date so you can let us know if any changes need to be made. We are flexible and understanding in the event that alternate arrangements need to be made, but if you miss your payment, we may remotely lock the laptop from use until you contact us or make payment arrangements. At UpgradeUSA we never have, and never will, use spyware on our computers.

Will my monthly payment be more than what is listed on the site?

The monthly prices listed on our site exclude sales tax and an optional loss-damage waiver. We are, unfortunately, obligated by the government to charge tax with each payment! Please contact us if you have questions about your monthly payment and we would be happy to clarify any concerns!

When will my payments be due?

We make it easy for our customers to remember their due date – the payment is due on the same date each month based on when you sign your lease agreement and make the first payment. For example, if you initiate your lease on the 15th of the month, your payments will be due on the 15th of each month. If you need to make other arrangements, please contact us and we are happy to work with you on changing the payment date.


What happens if the computer I’m leasing has some kind of error or malfunction?

In general, the laptops we carry are covered under a limited manufacturer's warranty when the condition is listed as "new" or "factory refurbished."  We can offer a third-party warranty service if you are interested. If you have any questions about warranty on any item, please contact us!

What happens if the laptop gets damaged or lost while I am leasing it?

We sure hope that doesn't happen! But for an additional layer of protection, a small monthly waiver charge eliminates this worry. This waiver protects you from the responsibility of having to pay for extensively damaged or stolen computers while you're making use of them. If you decline the waiver, you'll be responsible for loss or damages.

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.

Laptops For Students


Off To School?

If you're thinking about college, chances are you're also thinking about how to afford a laptop that you're going to need to keep up with your peers.  Not only does our program offer a great low monthly payment option for laptop computers, UpgradeUSA also helps students establish credit, so you'll be on better footing when you graduate!   

Purchasing Power


More purchasing power for the things you want.

People who want to buy a home should start thinking now about their credit score. Banks look at credit scores to help determine the interest rate on mortgages, and better scores usually mean lower monthly mortgage payments. So if you want to establish or build credit, start now with UpgradeUSA!