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Flexible Financing Options

Make your dream home improvements a reality with flexible financing designed to fit your budget

Terms up to 240 months (20 years) for low monthly payments

OUR COMPETITIVE ADVANTAGE

240 Months vs 180 Months

We offer 20-year financing - 5 years longer than most companies.

Typical Competitor Financing
180 Months
(15 years)
Example: $25,000 Project at 6.99% APR
$225/month
Home Solutions NC
240 Months
(20 years - 5 years longer!)
Same $25,000 Project at 6.99% APR
$191/month
Save $34/month = $408/year!

Why Lower Monthly Payments Matter

💰 More Cash Flow
Extra $32-50/month gives breathing room for emergencies and life expenses
🏠 Upgrade More
Lower payments mean you can afford better materials or larger projects
⚡ Flexibility
You can always pay extra to finish faster - can't extend if money gets tight

Why Choose Our Financing Options?

We believe every homeowner deserves to bring their vision to life without the stress of upfront costs. Our flexible financing options are designed to make quality home improvements accessible and affordable.

Easy Approval Process

Quick application and approval process, often within minutes. Get started on your project without delay.

Competitive Rates

Access to multiple lenders means we can find the best rates and terms for your specific situation.

No Hidden Fees

Transparent terms with no surprise fees. Know exactly what you're paying from day one.

ALL CREDIT TYPES WELCOME

We Work With Bad, Fair, and Good Credit

Don't let credit concerns stop you from improving your home. We partner with multiple lenders to find financing options for all credit situations.

✓ Excellent Credit (740+)
Best rates starting at 6.99% APR
✓ Good/Fair Credit (600-739)
Competitive rates available
✓ Bad Credit (Below 600)
Special programs & no-credit-check options

Financing Options Available

Choose the financing solution that works best for your budget and timeline

Terms up to 240 months (20 years) available for qualified borrowers

Same as Cash Options

0% APR for 6-24 Months

No interest if paid in full during promotional period

Take advantage of same as cash financing for qualified customers. Perfect for projects you can pay off quickly.

  • 6, 12, 18, or 24 months same as cash available
  • 0% interest if paid in full during promo period
  • No prepayment penalties
  • Quick approval process

Traditional Home Improvement Loans

Traditional financing options with competitive interest rates and extended repayment terms.

  • Fixed interest rates starting at 6.99% APR
  • Terms up to 240 months (20 years)
  • Loan amounts from $2,500 to $100,000
  • Multiple lender options for best rates

Flexible Payment Plans

Custom payment plans designed to work with your budget and cash flow. Perfect for spreading costs over time.

  • Customizable payment schedules
  • Low monthly payments
  • No credit check options available
  • Start your project immediately

Energy Efficiency Financing

Special financing programs for energy-efficient upgrades that can save you money on utility bills.

  • NC Energy Loan Program eligible
  • Tax credit eligible projects
  • Lower interest rates
  • Windows, doors, insulation, roofing

Simple Application Process

Getting approved is quick and easy - start your project today

1

Get a Free Quote

Request a free estimate for your home improvement project

2

Apply Online

Complete a simple financing application in minutes

3

Get Approved

Receive approval decision quickly, often within minutes

4

Start Your Project

Schedule your installation and begin enjoying your improvements

Benefits of Financing Your Home Improvements

  • Terms up to 240 months (20 years) for low monthly payments
  • No upfront costs - start your project immediately
  • Flexible payment terms that fit your budget
  • Competitive interest rates from trusted lenders
  • Quick approval process - often within minutes
  • Increase your home value while you pay
  • Protect your savings while improving your home

Have questions? View our Financing FAQs.

Schedule Your No-Cost Inspection Now

Get a free, no-obligation inspection and quote from our expert Home Solutions team. We'll assess your project needs and provide you with a detailed estimate.

Available Monday - Saturday, 8am - 6pm