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Open Your Door to Financing Options

We understand that some home improvement projects can be costly, especially when it’s something that isn’t planned. This is why C&L Ward offers home improvement financing options through Upgrade for your project. Take advantage of short term, interest-free financing for smaller projects or extended low monthly payments for those larger remodeling projects.  Your home is your biggest investment – let us provide the funds so you can tackle those home repairs and add value to your home!

Home Improvement Financing FAQ’s

Who is Upgrade and what does it do?

Upgrade helps you make smart financial decisions to help you reach your home improvement goals.  Like fixing the roof or replacing your old wood deck.  Upgrade Financing Programs are designed with ease, speed and simplicity so you can make your home improvement vision a reality. Some key benefits to using Upgrade for your project financing:

  • Check Your Rate In Minutes- Find out how much you qualify for in minutes with no obligation and no impact on your credit score.
  • Fast Funding – You should receive your funds within a day of clearing.  No waiting for lengthy appraisals that are needed for home equity lines.
  • No Prepayment Fees – Pay off you balance at any time with absolutely no penalties or additional fees.

How is a loan through Upgrade different from a home equity loan or HELOC?

With Upgrade, you can quickly see your rate and how much you qualify for within minutes of filling out an application online, and the funds for your unsecured personal loan are directly deposited into your account within days of accepting your offer and fulfilling necessary verifications.  Plus, a personal loan can provide you with a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.

With a home equity loan or HELOC, you use the value of your home as collateral, which means you have to first go through the process of getting an updated home appraisal and complete extra paperwork to know how much you qualify for. Plus, using the equity in your home can work against you if property values in the area decline. With a HELOC, you’re issued a line of credit based in part on the difference between your home value and mortgage principal, and the rates on HELOCs may be adjustable, which means your HELOC payments may increase after you receive your money.

Do I need collateral for a personal loan for home improvement?

No! With a home improvement personal loan through Upgrade, you don’t need to use your home as collateral. This makes the application process simpler and easier. You can check your rate in just a couple of minutes with no impact to your credit score and for no cost. You can skip the process of getting an updated home appraisal and focus on getting your home improvement project started.

What is the process for getting a personal loan for home improvement?

The process is simple.  During your in-home consultation, the C&L Ward representative will walk you thru the various short-term and long-term financing.  Once you decide on a program, you can apply with Upgrade in the convenience of your own home.  Upon approval, we can finalize your project details and get your project scheduled for completion.  During the process, we will work directly with Upgrade on collecting the funding for the project.  It is easy and efficient!

How much can I borrow?

With financing through Upgrade, each individual can borrow $1,000 to $50,000.  Upgrade has financed project for couples up to $100,000.

Interested in getting pre-approved for your home improvement project?  

Simply apply online via the Upgrade portal below!

Apply For Upgrade Financing Today!

 

Brands we trust
COMMUNITY INVOLVEMENT
Breast Cancer Awareness

Each year in October, our team participates in the Real Men Wear Pink campaign, led by the American Cancer Society. Employees who participate in this program wear pink and obtain pledges throughout October to raise money for this cause. Additionally, we raise money for the American Cancer Society’s Making Strides Against Breast Cancer. Our fundraising events toward this cause include themed T-shirt sales, in-office bake sales, a Penny Wars competition, 50/50 raffles, and pizza lunches.

How We Give BackLEARN MORE
Stuff the Truck

Our Stuff the Truck event is another way we give back to the community. The goal of this program is to fill one or more C&L Ward trucks with donation items. These may include canned goods and other non-perishable food, toiletries, warm clothing, blankets, and more. Monetary donations are also accepted, as we collect donations from our employees and other members of the community. Everything collected in the Stuff the Truck event is provided to a local non-profit dedicated to helping community members in need.

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Shingles for Shelter

Shingles for Shelter is a C&L Ward program that gives back to the community. Each holiday season around November, we offer a free installed asphalt roof to a homeowner in need. We partner with organizations like ABC Supply Co, Inc. and Metro Sanitation to source the shingles and supply the dumpster to make this project happen. To select a Shingles for Shelter giveaway recipient, we consider things like current roof condition, circumstances, and presentation quality. In short, we offer homeowners a fresh start.

How We Give BackLEARN MORE
Owens Corning Roof Deployment

Owens Corning and Platinum Preferred Contractors want to give something back to the troops that bravely serve our country, and the families who support them. The Roof Deployment Project is our way of building for the future together.

How We Give BackLEARN MORE
VISIT OUR DESIGN CENTERS
To see what we have to offer.
Our interactive design centers let you explore the look and feel of the different products we offer before you make any decisions. With design centers throughout Michigan in Davison, Saginaw, and Okemos, we have a design center near you where you can see your options in person. Whether you’re searching for new house windows, a different kind of siding, or a front entry door, our interactive design centers enable you to have complete confidence in the products you select.
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