Is Upgrade down or not working today?
No recent reports (updated ).
Upgrade current status
No recent reports
0 reports in the last 24 hours.
This doesn't confirm that Upgrade is working; it means nobody has reported a problem here recently.
Official website check: not run yet.
Status calculated automatically — How it works?
Based on user reports, unofficial · updated at
servicedowntoday.com is independent and is not the official Upgrade website.
Upgrade (US): personal loans, the Upgrade Card, Rewards Checking and Flex Pay, managed in the Upgrade app and Account Dashboard
Is it just you? Try another network (Wi-Fi or mobile data) or another device. If it still fails, pick your problem:
Having problems?
Help others by reporting if Upgrade isn't working for you.
About Upgrade
Upgrade is a US fintech offering personal loans, credit cards and mobile banking, managed in the Upgrade app and online Account Dashboard.
Source: upgrade.com (official website)
Official help by problem
Check a wider outage
No official status page found (searched on 2026-11-12).
Only your account or device?
Sign-in or account access · Official step-by-step guideCan't log in to Upgrade
You're asked for a security code
- Check your phone for the 6-digit code: it expires after 10 minutes.
- No code? Wait a few minutes, check your spam folder, or choose Send New Code or Authenticate Another Way.
You know your password but the app won't let you in
- Close the app completely and open it again.
- Switch between Wi-Fi and mobile data.
- Update the app, or log in through your phone's browser instead.
- Restart your phone if it still fails.
Login fails in a web browser
- Check you're using the email linked to your account.
- Turn off ad blockers or other extensions, or try a private window or another device.
You see 'Account Locked', 'Too many attempts' or 'Account Deactivated'
- Contact Upgrade for help: chat is available 24/7 from your Account Dashboard.
Source: upgrade.com
Sign-in or account access · Official step-by-step guideReset your Upgrade password
You forgot your password
- Start 'forgot your password' and enter your account's email (if you have several accounts, use that account's email).
- Enter the 6-digit code from your email (valid 10 minutes); check spam if it doesn't arrive, or get it by text.
- If asked, enter your SSN and your new password, then log in.
Source: upgrade.com
Lost, stolen or fraud · Official step-by-step guideUpgrade debit card lost or stolen
You misplaced your Upgrade Visa Debit Card
- Lock it: sign in to your Upgrade Account (app or web) and select 'Manage Debit Card'.
The card is lost for good or stolen
A replacement card arrives by mail in 7–10 business days after you request it.
- Report it lost or stolen from 'Manage Debit Card' and request a replacement. Stolen: report it immediately.
Source: upgrade.com
Lost, stolen or fraud · Official step-by-step guideUpgrade: phishing or scam in Upgrade's name
You got an email, call or SMS that imitates Upgrade
Upgrade says it does not ask for login credentials such as your password.
- Call Upgrade at (833) 211-5227.
You think you are being scammed
- Report it immediately to Upgrade Customer support: (844) 319-3909, Monday-Friday 5am-6pm PT, Saturday and Sunday 6am-5pm PT.
Source: upgrade.com
Payment, bill or refund · Official step-by-step guidePay Upgrade by app, online or check
You need to make a payment
Checks are accepted only for payments to an Upgrade credit product, not for deposits.
- The quickest way is the Upgrade app or your Upgrade account on a computer.
- Paying by check: make it out to Upgrade, Inc. and write your Account ID Number on the memo line.
ServiceDownToday: Still stuck or the delay has passed? Upgrade Customer Support (phone, no login needed): (844) 319-3909 (open Monday-Friday 5am-6pm PT, Saturday and Sunday 6am-5pm PT) · all contact options
Source: upgrade.com
ServiceDownToday checks
General steps from us, not an official Upgrade procedure and not counted as help from Upgrade.
Site or app won't load?
- In the app: update it, or close it completely and open it again.
- On the website: try another browser, or a private window.
- In both: try another network, switching between Wi-Fi and mobile data.
What people search for about Upgrade
- upgrade login
- upgrade login loan account
- upgrade login credit card
- upgrade login not working
Observed in search-engine autocomplete suggestions; not a report of an outage.
What is not working?
Where this status comes from
- The verdict comes from user reports, counted above a small threshold. An incident announced on the official status page can mark an outage as confirmed.
Contact Upgrade by reason
- GeneralUpgrade Customer Support (phone, no login needed): (844) 319-3909Open Monday-Friday 5am-6pm PT, Saturday and Sunday 6am-5pm PT
- GeneralUpgrade online chat (Account Dashboard)Open 24/7
Technical information
The app: Upgrade - Mobile Banking
- iPhone and iPad: version 1.35.1, released 2026-10-16, needs iOS 15.1 or later. App Store
- Android: updated Oct 15, 2026, needs Android 12 and up. Play Store
Read from the stores on 2026-11-11.
Official website infrastructure: AWS, Akamai (from the public DNS records of www.upgrade.com).
User comments