Financing options
Improve your home. Pay over time.
Flexible financing for qualifying projects: affordable monthly payments, terms up to 180 months, and promotional no-interest options.
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Affordable monthly payments
Spread project costs into manageable monthly payments.
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Terms up to 180 months
Pick a term that fits your monthly budget.
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0% promotional options
Same-as-cash and deferred-interest promotions available.
Financing plans
Ask which plan is right for your project
Financing is provided by our lending partner, Service Finance Company. Rates and terms depend on credit approval.
10-Year Fixed Rate · 120 months
Predictable fixed monthly payments over 10 years. Approx. $13.20 per month for every $1,000 financed.
15-Year Fixed Rate · 180 months
Our longest term for the lowest monthly payment. Approx. $10.70 per month for every $1,000 financed.
7-Year Fixed Rate · 84 months
Pay off your project faster with a fixed payment over 7 years. Approx. $18.10 per month for every $1,000 financed.
12 Months Same-As-Cash · 12 months
No interest and no payments for 12 months. Pay in full within 12 months and you owe no interest; any remaining balance then converts to a term loan.
18 Months Deferred Interest · 18 months
Low minimum monthly payments. Pay in full within 18 months and no interest is charged; otherwise interest applies from the purchase date.
How it works
Simple, fast, and paperless
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Apply online
Use our secure application link. It takes just a few minutes.
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Get a fast decision
Most applicants hear back almost instantly, with no hard credit inquiry to apply.
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Sign electronically
All documents are signed online. No paperwork, no office visit.
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We start your project
Once approved, we schedule the work and you pay over time.
Filing an insurance claim?
Your insurance deductible can be financed too, so storm damage gets fixed now, not when the budget allows. Storm damage & insurance claims →
Ask us about financing
Apply online in minutes, or call and we’ll walk you through the options.
or call us
(704) 737-2102*Financing is offered through a third-party lender, subject to credit approval; not all applicants will qualify. Plans, rates, and terms may change without notice. Plan 1018 (deferred interest): if the balance is not paid in full within 18 months, interest is charged from the original purchase date. Plan 2012 (same-as-cash): no interest and no payments for 12 months; any balance remaining after 12 months converts to a term loan with monthly payments at the lender’s standard rate. Payment examples are approximate, per $1,000 financed, excluding taxes and fees. See lender documents for complete terms.