Financing Options

PAYMENT OPTIONS · 0% APR AVAILABLE

Financing your outdoor build.

Outdoor kitchens, fire features, and full patio builds aren't small purchases. Spread the cost over 6, 12, or 24+ months. 0% APR promotional financing is available to qualified buyers — your exact rate shows before you commit.

Quick math. A $6,000 BBQ island over 12 months at 0% APR is $500/mo. Over 24 months it's $250/mo. Over 36 months, $167/mo. Actual rate and term show at checkout based on your credit profile.

FOUR OPTIONS AT CHECKOUT

Pick the one that fits your plan.

MOST POPULAR · SOFT CREDIT CHECK

Affirm

Powered by Affirm. Soft credit check. Terms 3–36 months, rates 0–36% APR.

Example: $6,000 build

$250/mo · 24 months · 0% APR*

  • 3, 6, 12, 24, 36 month terms
  • 0% APR promotional offers on qualifying purchases
  • Soft credit check — no impact to check your rate
  • Approval in seconds at checkout
  • No hidden fees, no compounding interest

PAY IN 4 OR MONTHLY

Klarna

Pay in 4 or finance over 6–36 months. Best for sub-$3K orders.

Example: $2,000 fire pit table

$500/payment · 4 payments · 0% interest

  • Pay in 4: 4 interest-free payments, every 2 weeks
  • Pay in 30: Try first, pay within 30 days
  • Financing: 6–36 month terms, rates vary
  • No impact to credit for Pay in 4

BUILT INTO SHOPIFY CHECKOUT

Shop Pay Installments

Powered by Affirm. Native to the Shopify checkout you already know.

Example: $1,500 grill

$375/payment · 4 bi-weekly · 0%

  • 4 interest-free bi-weekly payments (under $1,000)
  • Monthly installments 3–12 months ($150–$17,500)
  • One-tap approval at checkout
  • No prepayment penalty

EARN REWARDS ON EVERY DOLLAR

Credit & Debit Cards

Visa, Mastercard, Amex, Discover. Also Apple Pay, Google Pay, Shop Pay.

Earn miles, points, or cash back. Many cards offer 0% intro APR for new accounts — an alternative path to 0% financing.

  • All major cards accepted
  • Apple Pay, Google Pay, Shop Pay supported
  • Business cards accepted for builders and trade pros

*Rates from 0%–36% APR. Not all buyers qualify for 0% terms. Final terms shown at checkout.

HOW IT WORKS

Four steps at checkout.

STEP 01

Add to Cart

Build your order — grill, island, fire feature, accessories.

STEP 02

Choose Pay Method

At checkout, select Affirm, Klarna, Shop Pay, or card.

STEP 03

Get Approved

Soft credit check, instant decision, see monthly payment.

STEP 04

We Ship It

Order ships immediately. You pay over time, no waiting.

MONTHLY PAYMENT EXAMPLES

Real builds. Real numbers.

BUILD TOTAL 12 MO 24 MO 36 MO
Compact BBQ Island
Maui Q + Sink + Fridge 		$4,499 $375/mo $187/mo $125/mo
Mid-Tier BBQ Island
Cal Flame Baja Q 		$5,373 $448/mo $224/mo $149/mo
Lounge & Fire Bundle
HomeRoots 6-pc + Mesa Fire Pit 		$5,799 $483/mo $242/mo $161/mo
Premium L-Shape Build
Cal Flame Carmel Q L-Shape 		$9,364 $780/mo $390/mo $260/mo
Full Backyard Build
Premium kitchen + fireplace 		$25,528 $2,127/mo $1,064/mo $709/mo

Examples assume 0% APR promotional terms. Actual rates and terms shown at checkout based on credit profile.

FINANCING FAQ

Common questions.

Will checking my rate hurt my credit score?

No. Affirm, Klarna, and Shop Pay all use a soft credit check to show your rate — zero impact. Your score only changes if you accept the loan.

Do I need a down payment?

Most approvals require zero down. Some longer-term loans (24–36 months on $10K+ orders) may require a small down payment depending on your credit profile.

What if I get approved at a higher rate than 0%?

You'll see the exact APR and total cost before you commit. If the rate isn't great, walk away — try a different option, or use a credit card with intro 0% APR.

Can I pay off my loan early?

Yes. Affirm, Klarna, and Shop Pay all allow early payoff with no penalty. Pay it down faster, save on any interest you would've owed.

What if I'm a contractor or business buying for a client?

Reach out to support@upscalehomehq.com for commercial orders. We accept business credit cards and ACH for larger commercial builds, and we can help spec multi-unit orders for your client projects.

BUILD NOW, PAY OVER TIME

Ready?

Find what you want, hit checkout, pick your payment plan. Most approvals happen in seconds with zero impact to your credit.

Shop All ProductsBrowse BBQ IslandsAsk a Question