Financing
Financing is available on projects of $3,000 and above, with a soft credit check and a decision in minutes.
The minimum, first
Financing starts at $3,000. Below that neither lender will write the paper, so a service call, a tune-up, an inspection or a diagnostic visit cannot be financed at any price. Most repairs do not reach it.
The minimum is the lenders' floor, not ours. Below it neither will write the paper, so there is no version of the conversation where we can arrange it. If your project comes in under, the card and ACH options on our pricing page are the practical route.
Terms
| Lender | APR | Term | Notes |
|---|---|---|---|
| Northgate Home Lending | 0% | 12 months | No interest if the balance is cleared inside the term. Interest is charged from the purchase date on any balance remaining after month 12. |
| Piedmont Improvement Finance | 6.99% | 60 months | Fixed rate for the full term, with no penalty for settling early. |
The deferred-interest option is genuinely interest free if you clear the balance inside the term. If any balance remains at the end, interest is charged from the original purchase date, not from the month you ran over. That is how deferred-interest financing works everywhere, and it is the one thing worth understanding before you choose it over the fixed rate.
The fixed-rate option is a plain loan. The rate does not move for the life of it, and settling early costs you nothing.
What can and cannot be financed
Eligible
- Installation
- Replacement
- Remodeling
- Additions
- Roof replacement
- Panel upgrades and generator installation
Not eligible
- Repairs
- Maintenance visits
- Inspections
- Diagnostic visits
- Maintenance plan subscriptions
The split is by size, not by trade. A project is planned, quoted and scheduled ahead; a service call is someone coming out to put something right. Financing paperwork costs more than it saves on the second kind, which is why the line is drawn there rather than by what the work is.
See pricing for what a visit costs before any work, and billing and insurance for the questions people ask most.
Applying
A soft credit check runs on application, which does not affect your score, and the decision comes back in minutes.
Bring the quote reference and a photo ID. We do the application with you at the kitchen table or over the phone, whichever suits.
You can apply before you commit to the work, so the monthly figure is part of the decision rather than something you work out afterwards.