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Give your home a HUG with our Home UpGrade Loan!

Whether you're planning energy efficiency upgrades or tackling an emergency repair, Vanderbilt Mortgage and Finance has an affordable, long-term financing solution to help make your home more comfortable. Apply now to let us help give your home a HUG with our Home UpGrade Loan.

See states where available

Quick online app

Instant credit decision

Seriously paperless

No documents needed

Fixed rate

No gimmicks

Zero down

No equity required

What we can finance

What we can finance

These are just a few examples of what we finance. If you have any additional questions, feel free to reach out.

  • Appliances

  • Insulation

  • Air sealing

  • Heating & air

  • Windows

  • Doors

  • Water heaters

  • Duct systems

Contractor Hug Thank You - Hero Image

Give your home a HUG

  • Long term financing - 5 to 10 years
  • Low monthly payments
  • No hoops, just upgrades
  • No prepayment penalties, ever
  • We pay your contractor directly
  • Loan amounts from $2,500 to $25,000***
  • ***See below

    Apply today

    Need help? Call us at 888-893-8792

    Are you a contractor interested in partnering with Vanderbilt?

    We offer simple consumer financing solutions to help your customers and keep your costs down. Please contact us for more info.

    All Loans Subject to Credit Approval. Not all applicants will qualify. Subject to state regulation. This advertisement is for Consumer Loans. Loans made or arranged pursuant to a California Finance Lenders Law license.

    Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 888-893-8792.

    Currently available in Alabama, Arkansas, California, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Mississippi, Missouri, Nevada, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington.

    *Example of Vanderbilt Home UpGrade Loan Program only for non-window improvements, 10 year fixed rate term with $8,000 loan amount for eligible non-window improvements installed by a member of an approved contractor network for a home in an eligible state with an application received by September 30, 2023. $0 down payment, 120 monthly payments of $105.68 (P & I). 9.99% APR 9.99% interest rate as of July 1, 2023. Minimum credit score of 740 required. Other interest rates available for lower credit scores (minimum 640 credit score required for approval). Rates and terms subject to change. All loans subject to credit approval.

    Example of Vanderbilt Home UpGrade Loan Program only for window improvements, 10 year fixed rate term with $8,000 loan amount for eligible window improvements installed by a member of an approved contractor network for a home in an eligible state with an application received by September 30, 2023. $0 down payment, 120 monthly payments of $116.12 (P & I). 12.29% APR 12.29% interest rate as of July 1, 2023. Minimum credit score of 740 required. Other interest rates available for lower credit scores (minimum 660 credit score required for approval). Rates and terms subject to change. All loans subject to credit approval.

    ***Maximum loan amount varies based on credit score. $25,000 maximum loan amount available with minimum credit score of 740. $15,000 maximum loan amount for lower credit scores (minimum 640 credit score required for non-window product approval and minimum 660 credit score required for window product approval).