General Questions about the UpgradeUSA Lease Program

Who is the UpgradeUSA program designed to serve?

UpgradeUSA’s online-only service is helping small businesses across the country get access to the latest in high-tech gear through affordable, monthly payments. We work with a wide variety of businesses across the country – our customers are dedicated hard-workers who are building a business and need the latest technology to be competitive, on a monthly payment plan that fits their budget. Our desktop and laptop payment plans allow for a flexible and easy way to make monthly payments for the latest computer technology, and anyone can apply.

Small businesses find our lease program attractive because it offers a smart and easy way to manage their cash flow. Monthly payments can often make more operational sense than purchasing a bunch of assets all at once, which is critical to help businesses grow. More than 80% of companies lease, but that percentage is much less in the small business space, because business owners find it challenging to get approved for leases. UpgradeUSA is making it easier for them.

Consumers can benefit from our Payment Plan Outlet program as well.

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 very flexible, and we provide customers with an easy early buyout option – so if their business wants to end the payment obligation, they have that option in most cases. The monthly payment plans that we offer are extremely convenient to our customers.

 Is the UpgradeUSA program different than a local leasing company?

Yes. The UpgradeUSA program can be a better choice than local lease companies for several reasons:

  •  First, if you’re in our “credit-starter” program, we report each payment to business credit bureaus every month, and by doing this we are committed to helping your company 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 ship 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 companies 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. Our inventory changes frequently, so browse our selection today!

What makes UpgradeUSA better than other payment plan options?

Until now, small businesses that 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. We make sure that the payments for laptop and tablet computers are reasonable, fair, and with a business you can trust.

For consumers who just want to shop online for the lowest monthly price, we’ve introduced an Outlet program which doesn’t help build credit, but does make some higher-end computers a lot more affordable. Our no-credit-check option at, won’t put you through the credit approval 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. We have seen too many companies take advantage of small businesses 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 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. If your account is current, you can pay off your account at any time, and the buyout amount gets less with each payment made. 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 my order?

We ship our computers after we receive your first payment. 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.

Questions about 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?

On our small business program, you’ll stick with us for 21 months unless you pay off or buy out your account early. We provide all of our customers with a payoff table – and their payoff amount gets lower every month.

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! As long as your account is current, you can pay off your remaining balance at any time, which effectively offers you an early discounted buyout. The payoff is lower with each monthly payment and the payoff schedule is available under ‘My Account’ on the UpgradeUSA site. 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 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.

Questions about Support

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.