Home Improvement Financing

Making your home improvement project affordable,
so you can dream about what’s possible.

Receive instant approval on a home improvement loan with no extra fees, overage charges or penalties. With a home improvement loan you can purchase that new roof or painting project and pay for it over time through low, fixed rates and at low, fixed monthly payments. We finance any home improvement project including roofing, sheetrock, painting, chimney caps, chimney re-flashing, siding repairs, gutters, and more.  It’s really easy to apply for a loan online and approval comes in seconds!

Fair, Reasonable and Lowest Payment Possible!

    • Credit scores from 600 and up
    • Rates starting at 8.99%
    • Up to 15-year terms
    • Borrow up to $100K
    • No prepayment penalties or hidden costs
    • No Credit Card

Calculate your monthly loan payment

Monthly Payment
$50

*Your actual rate may vary based on your credit score.  Calculator is only for estimations, your exact loan amount may vary slightly.

Frequently Asked Homeowner Questions

Why should I finance?

Just like many people finance their car payments, over 50% of all home improvement projects are financed. Financing can be a great payment option when your dream project costs too much money to pay for all at once. With financing, you can translate that expensive lump sum into a low, affordable monthly payment. The result is the opportunity to stop worrying about what a project costs, and spend more time dreaming about the possibilities for your home.

Who is eligible to apply for financing?

U.S. residents over the age of 18 (or 19 for Alabama or Nebraska residents) are eligible, provided we can verify your identity.

Can I pay my loan back early?

Yes. You can prepay anytime for all or part of your loan. There is never a penalty for paying early.

What is the application process like?

The application process is fast and easy. You’ll be asked to provide some basic information about yourself. If you qualify, you will receive an email with one or multiple loan options along with a loan limit that may even go beyond the cost of your project. You may opt to borrow more and add things like annual maintenance and monitoring to your loan.

Where applicable, there is a one-time member activation cost for each approved loan. For convenience, that cost can be rolled into the final loan balance. Your contractor will walk you through the details prior to signing. All of the documents are electronic so you can sign everything from your home or office without any paperwork.

Are payments secure?

It is very important to us that your personal information remains secure and encrypted. We install endpoint protection software and/or secure web gateways at all points in our online process. There is a data protection policy in place to help ensure that personal data is kept secure.

How do I make payments?

Once your loan is processed you will receive your loan documents, welcome package, and payment instructions.  You can pay with ACH, check, or debit card.

How is the APR (annual percentage rate) determined?

We work with our lender network to look at the credit risk of you as a borrower, and to give you a rate that fits your credit profile. Your financing options are presented to you in clear, simple terms. You are never obligated to accept them. Unlike many platforms that offer credit cards, all attempts are made to offer lower-risk borrowers lower rates. The annual percentage rate is the cost of credit as a yearly rate.

When are my payments due?

Your first payment will be due approximately 30 days from the funding date. Subsequent payments are due every month after that, usually on the same day of each month.

Is this a credit card?

No. This is a consumer loan program.  You do not need to hold and manage a credit card when you work with this program.

Does using this impact my credit score?

Our lenders pull credit from credit bureau(s) in order to check your rate. Once you accept the terms and complete your purchase, the credit bureau will be notified.