Upgrade your home now, pay for it over time

Upgrade helps homeowners bring their projects to life. We partner with contractors nationwide to make home improvements more affordable, so you can focus on the finished result, not the upfront cost.

To apply, reach out to your contractor. They'll send you a link to get started, and you can apply in minutes to see your personalized financing options. Checking your options won't affect your credit score, so it's easy to see what works for your project before you commit.

Your first payment will depend on the payment plan you select. In most cases, it will be due 30 days after your project is complete. If you choose a promotional plan with no required payments during the promo period, you can make payments if you’d like—but you won’t need to until the period ends.

Payment distribution may vary by contractor. Typically, a contractor will submit payment requests at project milestones, which you can approve or deny through your Upgrade dashboard. For others, Upgrade may allow you to authorize payments to your contractor automatically as the project progresses without needing approval for each request. If you have questions, please check with your contractor for more details.