Flexible Payment Options
Quality Work, Affordable Payments
Your home deserves the best, and your budget should not hold you back. We offer flexible financing options so you can get the work done now and pay over time.
Quick Example
$15,000 Roof Replacement
*Estimates for illustration only. Actual rates and terms depend on credit approval.
No Hidden Fees
Transparent terms always
Quick Approval
Most decisions in minutes
Soft Credit Check
No impact to your score
Multiple Options
Plans that fit your budget
Payment Plans
Choose What Works for You
Same-As-Cash
0% Interest
12 Months
Pay off your project within 12 months with zero interest. Perfect for smaller projects or homeowners who want to spread payments without extra cost.
- No interest if paid in full within 12 months
- Low monthly payments
- No prepayment penalties
- Quick approval process
Extended Plan
Fixed Rate
24-60 Months
Longer terms with affordable fixed monthly payments. Ideal for larger projects like full roof replacements or complete HVAC installations.
- Fixed monthly payments
- Terms from 24 to 60 months
- Competitive interest rates
- No hidden fees or surprises
Deferred Payment
No Payments for 90 Days
90 Days
Start your project now and make your first payment 90 days later. Great for urgent repairs when you need work done right away.
- 90-day deferred start
- Flexible term options after deferral
- Ideal for emergency repairs
- Simple application process
All financing is subject to credit approval. Terms and rates vary based on creditworthiness and project scope.
Simple Process
How Financing Works
Apply
Fill out a quick application online or over the phone. Most approvals take just a few minutes.
Get Approved
Receive your approval with clear terms, rates, and monthly payment amounts. No obligation to proceed.
Schedule
Once approved, we schedule your project at a time that works for you. Work begins on your timeline.
Pay Monthly
Make easy monthly payments while enjoying your completed home improvement. No lump sum required.
Our Partners
Trusted Lending Partners
We work with established lending institutions to offer you the most competitive rates and flexible terms available.
GreenSky
Home Improvement Lending
GreenSky offers instant credit decisions and a variety of promotional financing plans including deferred interest and reduced APR options. Trusted by thousands of contractors nationwide.
- Instant decisions
- Plans from 12-144 months
- Promotional 0% APR available
Hearth
Contractor Financing Platform
Hearth connects homeowners with multiple lenders in a single application, increasing approval odds. Their platform is designed specifically for home improvement projects.
- Multiple lender options
- Soft credit pull
- Loans from $1,000-$100,000
Service Finance Company
Home Improvement Loans
Service Finance Company specializes in home improvement lending with same-as-cash options and long-term fixed rate plans. A trusted name in contractor financing since 2004.
- Same-as-cash plans
- Fixed APR from 7.99%
- No dealer fees on select plans
Partner availability and specific program terms may vary. Contact us for the most current options.
Common Questions
Financing FAQ
Will applying affect my credit score?
The initial pre-qualification uses a soft credit check, which does not impact your credit score. A hard inquiry only occurs if you choose to move forward with a specific plan.
What credit score do I need to qualify?
We work with multiple lending partners to accommodate a range of credit profiles. Many homeowners with scores of 600 or above can qualify for at least one of our plans.
Can I pay off my balance early?
Absolutely. All of our financing plans allow early payoff with no prepayment penalties. Pay ahead whenever it works for you.
What projects qualify for financing?
Most home improvement projects qualify, including roofing, HVAC, siding, gutters, and commercial work. The minimum financed amount is typically $1,000.
How long does approval take?
Most applications receive a decision within minutes. In some cases, additional documentation may be needed, which can extend the process to 1-2 business days.
Do you offer financing for commercial projects?
Yes. We have commercial financing options available for qualifying businesses. Contact us directly to discuss terms for your commercial project.
Ready to Get Started?
Your Home Upgrade is One Call Away
Call us to discuss your project and get pre-qualified over the phone. No obligation, no pressure, just honest answers about your options.