Financing

Home Improvement Financing

Build your project now, pay over time.

Whether it's a new deck, a screened-in porch, or the full outdoor living space you've been dreaming about, Upgrade's financing platform makes it simple to get started today — with a plan that fits your monthly budget.

Checking your rate takes minutes and never affects your credit score.
Why Homeowners Choose Upgrade

Financing that works the way you do

Manage a large project with ease

Take on the project you've been putting off, with affordable monthly payments that fit your budget.

Easy application & dashboard

A simple application process, plus a customer dashboard to track your loan every step of the way.

No pre-payment or cancellation fees

Pay off your loan early, or adjust your plan, without added penalties.

No impact on credit for pre-approval

Check your rate and get pre-approved without affecting your credit score.

Rate Options

Choose the plan that fits your project

Rates and terms shown are examples based on a $10,000 loan. Your actual rate depends on creditworthiness and loan details.

5-Year Term
6.99% APR1
Enjoy a competitive rate for a over a shorter timeframe.
7-Year Term
7.99% APR1
A longer term for lower monthly payments on larger projects.
12-Month Promo
0% + No Pay3
0% interest and no payments for 12 months. 12.99% APR accrues during the promotional period — interest is waived if paid in full before the promo period ends.
Get Started

Apply for financing today, or reach out to learn more.

Have questions about which plan fits your project? Carrie is happy to walk you through your options — no obligation, no impact to your credit.

Carrie Gerisch
Financing Contact · Crafted Decks & Porches
Apply for Financing

Loans are subject to credit approval. Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds licenses in the states listed at upgrade.com/State-Licenses and does business under the DBAs listed at upgrade.com/dba.

Home Improvement Loans made through Upgrade feature Annual Percentage Rates (APRs) of 0.00%–29.99%. Lowest rates require Autopay. Loans feature repayment terms of 2 years to 15 years. Loans may be disbursed in one or more advances. Actual loan terms may vary depending on, among other things, the exact number of advances, the amount of each advance, the date on which each advance will occur, and if a promotional plan applies.

1For example, if a borrower receives a $10,000 loan with a 10-year term and a 6.99% Annual Percentage Rate (APR) and the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), the borrower will have a required monthly payment of $116.06.

2For example, if a borrower receives a $10,000 loan with a 2-year term and a 0% Annual Percentage Rate (APR) and the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), the borrower will have a required monthly payment of $416.67.

3For example, under this promotional plan (i.e., no payments required during the 12 months promotional period beginning after we disburse the first advance, and interest accrues during the promotional period but is waived if the loan is paid in full before the end of the promotional period), if a borrower receives a $10,000 loan with a 10-year term and a 29.49% Annual Percentage Rate (APR), the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), and the loan is not paid in full before the end of the promotional period, the borrower will have a required monthly payment of $279.66 after the promotional period ends. All interest accrued during the promotional period will be included in your monthly payment on a pro-rata basis for the remainder of the loan term if the loan is not paid in full by the end of the promotional period. If the loan is paid in full before the end of the promotional period, all interest accrued during the promotional period will be waived.