*Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds the following
state licenses.
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, under this promotional plan (i.e., no payments required during the 24 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 $303.66 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.
**The Wells Fargo Home Projects credit card is issued with approved credit by Wells Fargo Bank, N.A.