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.
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. |
A soft credit check runs on application, which does not affect your score, and the decision comes back in minutes. You can apply before committing to the work, so the monthly figure is part of the decision rather than something you work out afterwards.
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
See pricing for what a visit costs before any work, and billing and insurance for the questions people ask most.
More on financing
What financing covers
Financing is for projects, not for service calls. It applies to installation, replacement, remodeling, additions, roof replacement, and panel upgrades and generator installation.
It does not apply to repairs, maintenance visits, inspections, diagnostic visits, or maintenance plan subscriptions. Those are small enough that financing them costs you more in paperwork than it saves.
The minimum
Financing starts at $3,000. Below that we do not offer it, and neither lender will write the paper. If your project comes in under the minimum, the card and ACH options on our pricing page are the practical route.
The two options
| Lender | Rate | Term | Notes |
|---|---|---|---|
| Northgate Home Lending | 0% APR | 12 months | No interest if the balance is cleared inside the term |
| Piedmont Improvement Finance | 6.99% APR | 60 months | Fixed for the full term, no early settlement penalty |
The 0% offer is genuinely 0% if you clear the balance inside 12 months. If a balance remains after month 12, interest is charged from the original purchase date, not from month 13. That is how deferred-interest financing works everywhere, and it is worth knowing before you choose it.
The 60 month option is a plain fixed-rate loan. The rate does not move and settling early costs you nothing.
Applying
The application runs a soft credit check, which does not affect your score, and returns a decision in minutes. You can apply before you commit to the work, so you know the monthly figure while you are still deciding.
Bring the quote reference and a photo ID. We do the application with you at the kitchen table or over the phone, whichever suits.