If you’re joining Upgraded for the first time, you’ll first need to check your eligibility for a Citizens Pay Line of Credit.
If you click Checkout with Upgraded on any of the product pages, the first step is a pre-qualification.
You’ll be asked to provide your name, address, date of birth, Social Security Number, amount you pay monthly for your rent or mortgage and annual income.
You’ll also need a valid U.S. bank checking or savings account to make your monthly payments. Prepaid cards and credit cards are not accepted for payment.