Remodel Now, Pay at Your Pace

1) Fixed Rate:
For example, under this plan, if a borrower receives a $13,000 loan with a 15-year term and a 9.99 Annual Percentage Rate (APR) and the loan is disbursed in full directly to Shugarman’s Bath upon job completion, the borrower will have a required monthly payment of $140. Offer valid through 10/31/2026.

For example, under this plan, if a borrower receives a $13,000 loan with a 5-year term and a 6.99 Annual Percentage Rate (APR) and the loan is disbursed in full directly to Shugarman’s Bath upon job completion, the borrower will have a required monthly payment of $258. Offer valid through 10/31/2026.

2) Promotional Term (12 Months, No Interest, No Payments):
For example, under this promotional plan (i.e., no payments required during the 12 months promotional period beginning after the loan is disbursed to Shugarman’s Bath, 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 $13,000 loan with a 10-year term and a 29.49% Annual Percentage Rate (APR), the loan is disbursed in full directly to Shugarman’s Bath upon job completion, and the loan is not paid in full before the end of the promotional period, the borrower will have a required monthly payment of $362.03 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 ofthe 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. Offer valid through 10/31/2026.

General Disclaimer: Loans are subject to credit approval. Terms apply. Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Digital: Upgrade, Inc. (NMLS #1548935) holds the following state licenses.