Financing That Fits Your Needs

Multiple plan options  •  Easy, paperless application  •  Apply via the mobile app or by phone  •  Fast credit decision

Accessing quality work shouldn’t stall because of finances. With Synchrony and GreenSky working alongside us, you can start sooner and pay smarter.

We know that great home improvements should be accessible. That’s why we offer two flexible financing options to help bring your projects to life—without delay.

Synchrony Home Improvement Financing

  • Typically loans up to $40,000
  • Get a dedicated credit line tailored for home renovation, covering essentials like roofing, siding, windows, and more.
  • Enjoy promotional financing, such as deferred interest and manageable monthly installments.
  • Apply online with a fast, hassle-free process—even get pre-qualified in seconds with no impact to your credit score.

GreenSky® Home Improvement Loans

  • Typically loans up to $100,000
  • Delivers fast and simple loan options through unsecured financing—no equity needed.
  • Your project gets funded quickly: apply via mobile or phone, receive approval in seconds, and pay us directly like using a credit card.
  • Options like Fixed Rate, Deferred Interest, or Mixed Rate & Zero Interest (ZIL)—designed to suit different budgets and timelines.

Plan options

Below are example plan types. Actual eligibility, limits, and APR depend on credit approval and program terms.

OPTION A:
Fixed-rate installment loan
(Example)

9.99% APR for 144 months
(Plan 2749)

Example monthly payment estimates:

  • $5,000 → $59.72/mo
  • $10,000 → $119.45/mo
  • $15,000 → $179.18/mo
  • $20,000 → $238.90/mo

OPTION B:
No interest if paid in full within promo period
(No payments required during promo)

12-month promo period
(Plan 2521)

Example monthly payment estimates:

  • $5,000 → $141.41/mo
  • $10,000 → $282.80/mo
  • $15,000 → $424.21/mo
  • $20,000 → $565.60/mo

OPTION C:
No interest if paid in full within promo period
(Payments required during promo)

15-month promo period
(Plan 4158)

Example monthly payment estimates:

  • $5,000 → $126.53/mo
  • $10,000 → $253.05/mo
  • $15,000 → $379.58/mo
  • $20,000 → $506.11/mo

All financing is subject to credit approval. Terms, APR, and payment amounts vary based on approval and plan selection.
Refer to your GreenSky loan agreement for full details.

Plan options

Below are example plan types. Actual eligibility, limits, and APR depend on credit approval and program terms.

No Interest if Paid in Full within 6 Months
(Plan 920)

On qualifying purchases made with your Synchrony Bank Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 Months. $29 account activation fee may apply. Fixed Monthly Payments required equal to 2.5% of the highest balance applicable to this promo purchase.

5.99% APR Until Paid in Full
(Plan 980)

On qualifying purchases made with your Synchrony Bank Credit Card. $29 account activation fee may apply. Fixed monthly payments required for 37 months.

7.99% APR Until Paid in Full
(Plan 981)

On qualifying purchases made with your Synchrony Bank Credit Card. $29 account activation fee may apply. Fixed monthly payments required for 38 months.

No Interest if Paid in Full within 18 Months
(Plan 924)

On qualifying purchases made with your Synchrony Bank Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 Months. $29 account activation fee may apply. Fixed Monthly Payments required equal to 2.5% of the highest balance applicable to this promo purchase.

On qualifying purchases made with your Synchrony Bank Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 Months. $29 account activation fee may apply. Fixed Monthly Payments required equal to 2.5% of the highest balance applicable to this promo purchase.

FAQs

Q: Why finance instead of paying cash or using a credit card?

A: Financing can help spread project costs over time, making it easier to move forward with the improvements you want.

Q: How do I pay my contractor?

A: After your contractor requests payment authorization, you receive a text or email to approve the transaction.

Q: How do I make a payment?

A: You can pay online in the customer portal, by phone, or set up automatic payments drafted from your bank account.

Q: What are typical loan amounts?

A: Synchrony typically loans up to $40,000. GreenSky typically loans up to $100,000.