Flexible payment options for every project.
We work with three established home improvement lenders so you can pick the offer that fits your project, your budget, and your credit. Pre-qualifying takes about two minutes and never affects your credit score.
Get a Free QuoteThree lenders, one application.
Same-day decisions, soft credit pull, terms from 24 to 144 months.
Best for: large projects ($10K+) where you want to compare offers across multiple lenders in one application.
Pre-qualify with Hearth →0% promotional APR on qualified projects, instant approval at the point of sale.
Best for: bathroom remodels, HVAC, and roof replacements where you want to stretch payments without paying interest in year one.
Apply with GreenSky →Promotional financing on home improvement, deferred-interest options available.
Best for: mid-sized projects where you have strong credit and want a long, predictable payoff.
Apply with Synchrony →Financing questions, answered.
Does pre-qualifying affect my credit score?
No. All three of our financing partners use a soft credit pull for pre-qualification, which has zero impact on your credit score. A hard pull only happens once you accept a loan offer.
How quickly can I get approved?
Most pre-qualifications return a decision in under two minutes. Final approval and funding typically happens within one to three business days after you accept terms.
Can I finance just part of a project?
Yes. You can finance any portion of the total project cost. Many customers put a down payment on the deposit and finance the balance after the work is complete.
What APRs and terms are typical?
APRs typically range from 6.99% to 24.99% depending on credit profile and lender. Terms run from 24 to 144 months. The actual offer depends on the partner you choose, your credit, and the project size.
Do you mark up the cost when financing is used?
No. The project price is the project price regardless of how you pay. We are not paid a referral fee that gets added to your quote — financing is a service, not a profit center for us.