Home Improvement Financing to Fit Your Needs

Service Finance Company Loan Program’s focus is simple - to help you create the fence or deck of your dreams. From deferred interest promotions to affordable budget-minded options, our loans are an easy and convenient way to pay for your home improvement project.

What is a Home Improvement Loan?

A home improvement loan is a personal loan used to pay for home repairs or renovation projects. We partner with Service Finance, and their loans range from $5k - $100K and they're unsecured, which means that your house is not used as collateral to secure the loan.

Compared to a home equity loan (HELOC), which may only cover a handful of projects, a Service Finance Home Improvement Loan allows you to use the money for whatever your dream ho me demands. And while a HELOC can require an appraisal before you can get approved, a Service Finance Home Improvement Loan could get approved - and even funded - on the same day, with no appraisal required.

Benefits of Financing

Loan Amounts up to $100,000
Unsecured
No Equity Required
Fast, Secure, Paperless Process
No Proof of Income Under $20,000
Options for Most Credit Levels

Personal Loans vs Credit Cards

Credit cards typically have high interest rates. Home improvement loan rates tend to be lower, making monthly payments more manageable or saving money from interest accrual over the lifetime of the debt.

APR range
Annual Fee
Interest
Limit
Risks Home as Collateral
Reduces Home Equity
Fixed personal loan rates range from 6.99% APR to 22.23% APR
No Fee
Fixed
$5.000-$100.000
No
No
Varies
Varies
Variable
Up to your home’s equity
Yes
Yes
12.00%-22.86%
Up to $500
Compounding
Varies
No
No

Financing Options through Fence & Deck Connection

Short-Term Options

Deferred Interest

Long-Term Options

Fixed Interest with Low Monthly Payments

Finance Min. Monthly Payment*

$5,000 Only $150 per month
$10,000 Only $300 per month
$15,000 Only $450 per month
$30,000 Only $900 per month

Finance Min. Monthly Payment*

$5,000 Only $66 per month
$10,000 Only $132 per month
$15,000 Only $198 per month
$30,000 Only $396 per month

*Monthly payments are approximate depending upon credit approval

Service Finance Company ("SF C") is a service provider that originates, underwrites, and services financing for home improvement projects.
As a nationally licensed sales finance company, SFC has built a technology-enabled platform that allows contractors to offer credit to consumers as part of their in-home sales process. Exclusive industry partnerships enable SFC to offer qualified borrowers a broad-based set of financing products through an expanding national network of home improvement contractors.