Financing

Make Your Home Improvement Dreams Affordable

Quality roofing, remodeling, and home improvements are investments worth making, but we understand that budget concerns can hold homeowners back from essential projects. That’s why Kangaroo Contractors partners with Upgrade to offer flexible financing solutions designed specifically for home improvement needs. Get your project started today with convenient payment options that fit your budget.

Start your financing application now and turn your home improvement plans into reality.

Personal Loans Designed for Home Improvements

Experience a financing process built with ease, speed, and simplicity so you can move forward with confidence.

Check Your Rate in Minutes

Discover your rate and loan amount qualification in just minutes with no obligation and zero impact to your credit score. The process is quick, simple, and completely risk-free.

Customize Your Offer

Select from multiple loan options featuring fixed rates and flexible terms designed to align with your budget and project timeline. You’re in control of finding the perfect fit.

Fast Funding

Receive your funds within one business day of clearing verifications—no waiting for lengthy home appraisals that come with traditional home equity loans or HELOCs.

No Prepayment Penalties

Pay off your loan at any time with absolutely no penalties or extra fees. You have complete flexibility to manage your debt on your terms.

Transform Your Home

Add Value to Your Property

Customize and upgrade your house to make it truly your home:

  • Renovate your kitchen with modern appliances and finishes
  • Remodel bathrooms for comfort and functionality
  • Create an outdoor oasis with a new deck or patio

Tackle Necessary Repairs

When emergencies arise, a personal loan helps you restore your home quickly:

  • Fix that leaking roof before damage spreads
  • Install new energy-efficient windows
  • Replace your HVAC system for year-round comfort

Simple Application Process

Apply Online: Complete your application in minutes and see your rate with no obligation or credit score impact.

Apply by Phone: Call (844) 319-3909 to speak with a financing specialist.

Customer Service Hours:
Monday-Friday: 5am – 6pm (PT)
Saturday-Sunday: 6am – 5pm (PT)

Start Your Loan Application Now

Frequently Asked Questions

How does an Upgrade personal loan differ from a home equity loan or HELOC?

With Upgrade, you receive a quick decision and fast funding without using your home as collateral. See your rate within minutes of applying online, and funds are deposited directly into your account within days of acceptance and verification. Personal loans offer fixed rates and fixed monthly payments, providing predictable budgeting. Home equity loans and HELOCs require home appraisals, additional paperwork, and use your home’s equity as collateral. HELOCs often feature variable rates that can increase over time, making long-term costs unpredictable.

Why not use a credit card for home improvement projects?

Credit cards typically carry high variable interest rates that can increase without warning, making it difficult to predict true project costs and payoff timelines. When project expenses mix with everyday purchases, tracking progress becomes complicated. Personal loans through Upgrade provide fixed rates and fixed monthly payments, eliminating surprises and giving you a clear payoff date from the start.

Will checking my rate affect my credit score?

Checking your rate does not impact your credit score. When you check your rate, Upgrade performs a soft inquiry on your credit report, which is only visible to you. Accepting your offer and submitting bank information triggers a second soft inquiry, also with no credit score impact. Once your loan funds, a hard inquiry is performed, which may impact your credit score and can be viewed by third parties.

Disclosure: Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.99%. All loans include a 1.85% to 9.99% origination fee deducted from loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges may increase your loan cost. There is no fee or penalty for early repayment.

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).

Have questions about financing options? Contact Kangaroo Contractors at (972) 974-5720 to learn more.