Where Computers Meet Convenience and Credit-Building.

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 PaymentPlanOutlet.com. 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.