Question 1

What is Upgrade?

Accepted Answer

Upgrade is a financial technology company that offers home improvement loans through its bank partner. We partner with Upgrade so homeowners have a straightforward way to finance larger remodeling projects when it's a good fit.

Question 2

Does exploring financing options affect my credit?

Accepted Answer

We don't run any credit check on our end. When you're ready, Upgrade's pre-qualification process is designed to let you see estimated options without a hard credit inquiry — but you should confirm the current details directly with Upgrade before proceeding, since their process can change.

Question 3

What can financing be used for?

Accepted Answer

Homeowners typically use financing for larger scopes — kitchen and bathroom remodels, additions, whole-home renovations, roofing and siding replacements, and basement finishes. We'll help you think through whether financing makes sense for your specific project during your free estimate.

Question 4

Is financing available for every project type?

Accepted Answer

Financing eligibility depends on the project, the amount, and Upgrade's own underwriting — it isn't guaranteed. We can talk through whether it's a realistic option for your scope before you spend time on any application.

Question 5

Do I have to use financing?

Accepted Answer

No. Financing is one option we make available because customers ask about it. There's no obligation, no pressure, and it doesn't affect the estimate or scope of work we prepare for you.

Home improvement financing through Upgrade

A simple, no-pressure path

Get your free estimate

We discuss financing with you

We help you get pre-qualified

Financing questions

Disclosure

Ready to start your project?