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.