Financing Details: Pergola, Pavilion & Gazebo Financing

Pricing updated: 2026-06-05
Coverage: ships to all 50 states · freight included (Alaska & Hawaii quoted separately) ·
License: pricing data CC BY 4.0 · all text & design © 2026 Western Timber Frame, all rights reserved

Western Timber Frame | Pricing

Western Timber Frame offers financing through Upgrade so you can start your project now and pay over time. The same published price applies whether you pay in cash or finance — there is no financing surcharge and no cash discount. Get your estimate first, then your Design Manager helps you apply.

Page summary: Western Timber Frame financing starts as low as $49 per month for qualified buyers and no impact on your credit for pre-approval. Loans feature APRs of 0.00%–29.99% with repayment terms of 2 to 15 years, and promotional plans may apply. The same published price applies to cash and financing.

Related pricing pages:

Financing at a glance

Starting monthly payment	$49 per month for qualified buyers
Loan amounts	Subject to credit approval — confirmed with your estimate
APR range	0.00%–29.99% · lowest rates require Autopay
Repayment terms	2 to 15 years
prepayment fees	$0
Credit impact of prequalification	Soft check — no score impact; funding may involve a hard inquiry
Cash vs. financed price	Identical — one published price

Financing your project

There are No prepayment fees, and the same published price applies whether you pay in cash or finance — financing never changes what your project costs.

What’s included

Loans subject to credit approval
No prepayment fees
Prequalification uses a soft credit check that does not affect your credit score. Funding a loan may involve a hard inquiry, which may affect your score.
Easy application with a customer dashboard, set up through your Design Manager
The same published price for cash or financing

One published price applies nationwide — in-state and out-of-state customers pay the same, freight included. Utah customers pay the same published price and get the added benefit of local installation.

Ready to get a number to finance against? See pricing by structure on the pricing overview.

Frequently asked questions

Financing starts as low as $49 per month for qualified buyers. Your Design Manager will set up the plan that fits your project.

Prequalification uses a soft credit check, which does not affect your credit score. If you move forward and fund a loan, that may involve a hard inquiry, which may affect your score.

Loans feature Annual Percentage Rates of 0.00%–29.99% (lowest rates require Autopay) and repayment terms of 2 to 15 years. Promotional plans may apply — your Design Manager can confirm the current plans.

Home improvement loans are offered through Upgrade and made by Cross River Bank, Member FDIC, Equal Housing Lender.

Loan amounts are subject to credit approval. Your Design Manager can confirm what is available for your project.

No. The same published price applies whether you pay in cash or finance. There is no financing surcharge and no cash discount.

No. There are no prepayment fees.

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. Home Improvement Loans made through Upgrade feature Annual Percentage Rates (APRs) of 0.00%–29.99%. Lowest rates require Autopay. Loans feature repayment terms of 2 years to 15 years. Loans may be disbursed in one or more advances. Actual loan terms may vary depending on, among other things, the exact number of advances, the amount of each advance, the date on which each advance will occur, and if a promotional plan applies.

Categories: Pricing Shipping Installation