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Upgrade Home Improvement

Grow your business with flexible payment options for your customers.

Apply now to offer Upgrade Home Improvement financing
Business Financials and Ownership
By clicking "Agree" below, you understand and agree that Upgrade and/or Lender may obtain credit reports with respect to Merchant and any principal, partner or owner of Merchant from time to time for the purpose of qualifying Merchant for enrollment in the Program and, if approved for the Program, evaluating Merchant’s continued participation in the Program. Merchant, on behalf of itself and as representative for any principal, partner or owner of Merchant hereby authorizes Upgrade and Lender to verify its credit history and obtain its credit reports, and provides written instructions to consumer reporting agencies to provide such credit reports now and in the future for the purpose set forth above.

Better for your bottom line

Contractor Rewards

Earn rewards for offering your customers flexible payment options

Competitive Fees & Approval Rates

Customers can get the financing they need, while contractors can pay less in fees

Additional Credit for Future Projects

Homeowners may have access to additional credit through Upgrade after the project is complete

Better for your business processes

Flexible technology

Offers financing solutions and allows you to request payments and change account settings from phone, tablet or computer

Know before you go

Check which appointments may be pre-qualified for financing before your sales consultants arrive

Contractor leads

Allow Upgrade to refer some of their 1+ million customers to you for their projects

Better for your customers

Protect your reputation by offering a financing solution that is beloved by their borrowers with 4.6 stars on Trustpilot and a 78 NPS
  1. Eliminate punitive interest

    No/No plans that don't start the clock on interest until after the promo ends

  2. Easier application process

    Homeowners apply with a soft credit pull and no SSN#, from your device or theirs

  3. Promo/Payment combo

    Offer a true 0% interest promotion for a year that then converts to 7.99% APR in year 2

  4. Collaborative complaint process

    When a customer is unhappy, Upgrade will work with you like you’re part of our team

From Our Customers