Financing Options

Make Your Dream Affordable

Flexible financing with low monthly payments and promotional no-interest periods. Get pre-qualified during your free consultation — no impact to your credit score.

Flexible Financing

Build Now. Pay Over Time.

Your dream outdoor space shouldn’t have to wait. Stoneridge Decks & Outdoor Living partners with Upgrade, a trusted home improvement financing provider, so you can start your project today with low monthly payments and flexible terms.

Upgrade

Whether you’re building a new deck, adding a pergola, or expanding your outdoor living area, Upgrade lets you move forward now with predictable monthly payments.

Low Monthly Payments Fixed Rates No Prepayment Penalty

Apply with Upgrade →

How It Works

Four Simple Steps

Schedule Your Consultation

Meet with us for a free on-site consultation. We’ll measure your space, discuss your vision, and present material options.

Choose Your Financing

During your consultation, we’ll walk you through financing options through Upgrade to find the best fit for your budget.

Get Approved

Apply online in minutes. Most applicants receive a decision quickly with no impact to your credit score during pre-qualification.

Start Building

Once approved, we begin your project. You enjoy your new outdoor space while making comfortable monthly payments.

What You Can Finance

Every Project We Build

Custom Decks Covered Decks Deck Railing Deck Repair Deck Resurfacing Pergolas Porches Screened-In Porches Sunrooms Patios Outdoor Living Screen Rooms

Common Questions

Financing FAQ

Will applying for financing affect my credit score?

Pre-qualification typically uses a soft credit check, which does not affect your credit score. A hard inquiry may occur only after you formally accept a financing offer.

Can I pay off my financing early?

Yes. Upgrade offers financing with no prepayment penalties. Pay off your balance early at any time without additional fees.

How long does the approval process take?

Most applicants receive a pre-qualification decision within minutes. Full approval typically takes 1 to 3 business days.

Do you offer no-interest financing?

Yes. We periodically offer promotional no-interest financing for qualified applicants. Ask your sales consultant about current promotions during your free consultation.

What if I’m not approved?

If Upgrade isn’t the right fit, our team will work with you to explore other paths and find a solution that fits your budget.

Ready to Get Started?

Schedule a free consultation and we’ll walk you through your financing options in person.

Get Your Free Estimate (540) 450-3325