Financing Options
Don’t let the budget hold your project back. Robles Remodeling Austin has partnered with Home Upgrade Financing to give homeowners flexible ways to pay — whether you’re tackling a full remodel or a smaller upgrade. Most Homeowners choose monthly payments over consuming saved cash or the emergency fund.
Full-Project Financing
$25,000 – $725,000.
Best for full remodels, additions, and major renovations.
Quick Pay-Over-Time
Smaller jobs ($2,000 - $20,000), design fees, or materials.
Fast approval through Discover or PayPal Credit.
See below
Full-Project Financing, Powered by HomeUpgradeFinancing.com
For bigger investments in your home, our financing partner shops its network of lenders to find you the best rate for your credit profile, no cost to apply, soft pull only!.
• Loan amounts from $25,000 to $725,000
• FICO scores as low as 580, with debt-to-income ratios up to 60%
• Funding available within 36 hours of approval
• Checking your rate uses a soft credit pull only —>it will not affect your credit score
• Terms up to 30 years, with no prepayment penalty on most programs
• Unsecured Personal Loans (no equity required) and Home Equity Lines available
How It Works
Click the link below to get pre-approved. You’ll answer a few quick questions, and Home Upgrade Financing will compare offers across its lender network consisting of thousands of Home Improvement Loan programs, including both secured and unsecured loans, and both direct-to-consumer and stage-funded options.
Have a Smaller Project?
Not every project needs a full installment loan. For smaller jobs — think design fees, materials, or a single project phase we recommend Discover or PayPal Credit. Both let you spread out the cost, while you get paid in full upfront.
PayPal Credit
• No interest if paid in full within 6 months
• Instant approval decision, subject to credit
• A good fit for smaller jobs, typically in the $1,500 – $20,000 range
• If the balance isn’t paid in full within 6 months, interest is charged retroactively — make sure this is clear to your customer up front
Discover
• Fixed-rate, unsecured personal loan — no lien on the home
• Straightforward online application with a fast decision
• A solid alternative to PayPal Credit for homeowners who prefer a traditional fixed monthly payment on a smaller loan amount
These are separate credit products offered directly by each provider. Approval, rates, and terms are determined by Discover or PayPal,.
Frequently Asked Questions
Will “checking my rate” affect my credit score?
No. Checking your rate with Home Upgrade Financing is a soft credit pull and does not impact your credit score.
What credit score do I need to qualify?
Home Upgrade Financing works with a network of lenders accepting credit scores as low as 580, including options for self-employed borrowers and those with a higher debt-to-income ratio. Discover and PayPal Credit have their own separate approval criteria.
How fast can I get funded?
Most full-project financing decisions come back within minutes, with funding typically available within 36 hours. PayPal Credit offers an instant approval decision, subject to credit.
Are there fees to apply?
There’s no cost to apply or receive offers through Home Upgrade Financing. A nominal processing fee may apply if you move forward with a loan. Any and All fees are included in the monthly payment quote.
What’s the difference between the two financing options on this page?
Full-project financing through Home Upgrade Financing is built for larger jobs ($25,000+) and offers longer repayment terms. Discover and PayPal Credit are better suited to smaller amounts, with faster decisions and shorter repayment windows.
Ready to Get Started?
Check your rate in minutes, with no impact to your credit score.
Questions?
Text HomeUpgradeFinancing @ 267-214-2263
www.HomeUpgradeFinancing.com
© 2026 Robles Remodeling Austin. All rights reserved.