0% promotional terms. Approval in 30 seconds.

0% interest if paid in full within 12 months. Most popular for $5K–$15K jobs. Subject to credit approval.

0% interest for 24 months. For larger projects ($10K+). Same approval process.

Standard 5-year term at 8.99% APR. Predictable monthly payments. Most common choice for $15K – $35K jobs.

Up to 12-year term for larger jobs. Lower monthly payment; higher total interest cost. Best for $35K+ premium installations.

5% discount for full cash payment at signing. Available on all standard residential jobs.

Storm damage insurance work financed differently. Insurance check covers most cost; we accept partial payment plans on remaining balance.

Most-used lender. Soft credit check (no impact); approval in 30 seconds. Funds most jobs $1K–$75K. Direct integration with our point of sale.

Long-standing home-improvement-financing lender. Promotional 0% terms. Approval typically same business day.

Backup lender. Used when Wisetack + Synchrony approvals don’t fit specific customer credit profile.

We have relationships with regional credit unions in our service area. For customers who prefer credit union financing; we coordinate the paperwork.

We accept cash, check, ACH, and major credit cards (Visa, Mastercard, Amex, Discover). Small fee on credit cards over $5K.

Many customers use HELOC or home equity loan instead of in-store financing. We accept any payment method; you choose what works for your situation.

We don’t take applications before estimates. We see the home, give you the price, then you choose financing if you want it. No financing-pressure tactics.

Initial application is a soft credit check (no credit score impact). We see if you pre-qualify + at what terms before any hard pull.

If you proceed with financing, a hard credit check happens to issue the loan. Standard practice for any financing.

Even though approved at signing, payments don’t begin until the install is complete + you’re satisfied with the work. We don’t collect on incomplete work.

Pay off the balance early if you want. We don’t penalize you for paying faster than scheduled.

Spanish-speaking financing specialists available. Application materials available in Spanish.

Most common path. Estimator at your home, written quote in hand. Apply for financing through our portal or paper application. Approval in 30 seconds. Decision before estimator leaves.

Want to know your financing terms before booking the estimate? Apply for soft pre-qualification online. Tells you what financing you’d qualify for; doesn’t require accepting any specific job.

Government ID. Proof of address (utility bill, mortgage statement). Income verification (pay stubs or bank statements for self-employed).

We’ll work with you. Sometimes a co-applicant helps. Sometimes a smaller scope (repair vs. full replacement) is more financeable. We don’t walk away if financing isn’t the right fit; we problem-solve.