Payment & Financing Options
At USS, we are committed to making the process of repairing your home as convenient, affordable, and painless as possible from start to finish. To follow through with this commitment, we offer several home repair payment options.
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Payment Options
We accept all major credit cards, as well as personal checks and cash. We will waive the 2.5% processing fees on any Mastercard, Visa, American Express, and Discover card payments when paid to the foreman on site at job completion.
We will also work with you during real estate transactions and insurance claims. Contact your project manager or call the office at (615) 227-2275, prior to the start of your project, for more information on paying with funds from escrow or insurance. If you are a customer with billing questions, our Accounting Team is here to help!
Complete your home improvement project now instead of later!
You’ll receive a credit decision in minutes.
No Interest if Paid in Full in 12 Months
Subject to credit approval. Interest is billed during the promotional period but all interest is waived if the purchase amount is paid in full within 12 months.*
No Interest if Paid in Full in 18 Months
Subject to credit approval. Minimum monthly payments required. Interest is billed during the promotional period but all interest is waived if the purchase amount is paid in full within 18 months. Making minimum monthly payments will not pay off the entire purchase balance before the end of the promotional period.*
Reduced Rate 7.99% for 60 Months!
Plan 2717. Subject to credit approval. Loan term is 60 months at fixed rate of7.9996 APR. For example, assuming the full credit limit is used on loan approval date. for every $1,000 financed at 7.99% APR, 60 monthly payments of $20.27. This example is an estimate only. Actual payment amounts based on amount and timing of purchases.*
Reduced APR of 9.99% for 120 Months!
Subject to credit approval. Fixed APR of 9.99% for 120 months. Payment example: for $10,000 purchase on approval date, 120 payments of $132.10.*
Reduced Rate 11.99% for 180 months
Subject to credit approval. Fixed APR of 11.99% for 180 months.
Payment example: for $10,000 purchase on approval date, 180 payments of $119.95.
12 Months No Interest and No Payments
0%
12-Months Same as Cash
No Monthly Payment
Approval in Minutes**
No Early Payoff Penalty!
Traditional Loan Option
10.99%
3-12 Year Term
Monthly Payments
Approval in Minutes**
No Early Payoff Penalty!
Upgrade will send you the loan documents for review and signature.
**Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender. 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. For example, if you receive a $10,000 loan with no promotional period, a 10-year term and a 9.99% Annual Percentage Rate (APR) and the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), you will have a required monthly payment of $132.82. The APR on the loan may be higher or lower and loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Subsequent charges and fees may increase the cost of the loan. There is no fee or penalty for repaying a loan early.
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