Financing in Washington

Buy Today, Pay Over Time*

We offer financing options to help homeowners move forward with essential home services when major repairs or replacements are needed. Your HVAC, electrical, and plumbing systems are some of the most important investments in your home. When something goes wrong, waiting isn’t always an option.

Financing provides a practical way to address necessary upgrades or unexpected issues without delaying service or taking on a large upfront expense.

That’s why Black Hills offers financing options with approved credit to help make important home investments easier to manage.

Financing Your Home Comfort Investment

Your home is likely one of the largest investments you’ll ever make. Maintaining reliable heating, cooling, electrical, and plumbing systems plays a critical role in protecting that investment.

By applying through our trusted third-party financing partner, Upgrade, homeowners can explore payment options designed to provide flexibility and control, including options that help:

• Cover the cost of major repairs or system replacements
• Break large expenses into manageable monthly payments
• Access online account management and bill payment
• Take advantage of special promotional terms when available

Financing may be used for a wide range of Black Hills services, including:

• HVAC repairs, replacements, and new system installations
• Electrical repairs, upgrades, and safety improvements
• Plumbing repairs, replacements, and system upgrade

All financing is subject to credit approval.

To get started, apply directly through Upgrade using the link below.

Loans are subject to credit approval. Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds the following state licenses.
These loan terms are not guaranteed and are subject to our verification and review process. Applicants may be asked to provide additional documents to enable us to verify their income and their identity. For loans that charge interest, this rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay, borrowers' payments will be automatically deducted from their bank account. Selecting Autopay is optional. If you are eligible for credit union membership, you may be required to join a credit union to receive the APR shown. Subsequent charges and fees may increase the cost of the loan. There is no fee or penalty for repaying a loan early. For more information, applicants should refer to the applicable Borrower Agreement and TILA Disclosure.
Loans may be disbursed in one or more advances. These loan terms are estimates based on the assumption that the loan is disbursed in a single advance upon execution of the Borrower Agreement. Actual loan terms may vary depending on, among other things, the exact number of advances, the amount of each advance, and the date on which each advance will occur.