Receive up to a $100,000 home improvement loan with no hidden contractor fees, credit cards or prepayment penalties. Pay It Forward with PowerPay.

A lending platform built to save you money.

PowerPay is a digital lending platform that offers home improvement financing for contractors, their customers and everyday consumers. Our fully automated technology offers instant approvals on home improvement loans up to $100,000, helping homeowners and their contractors translate expensive home improvement projects into low monthly payments that can be paid over time. Unlike other digital loan platforms, PowerPay is a fully independent company that is committed to delivering loans with no hidden contractor fees, credit cards or prepayment penalties in order to offer the lowest monthly payment possible. After all, the more affordable the loan, the bigger the possibilities for the home.

Disrupting the home improvement lending industry for you.

PowerPay is a disrupter.  The first to market a “no dealer fee” model, we are releasing the next wave of innovation with the goal of reducing the costs for dealers and consumers.  Our programs start at 4.99% with terms up to 15 years, no fee loan options for 600+ FICO scores, staged funding, buy downs options, and new equal pay and 12 and 24 month promotions.  Our 12 and 24 month promotions offer no down payments, no payments, no interest and no outrageous interest rates at the end of the promotion.  PowerPay is now your first look and second look lender.  A one stop shop for all your consumer lending needs.


Get a simple and secure instant online approval for up to $100,000 in just seconds.


Take an expensive project and make it into a low, affordable monthly payment.


No contractor fees, credit cards or prepayment fees. Why? Because it’s the right thing to do.

Our Goal:
To save our customers millions by transforming the home improvement lending industry.

Learn more about PowerPay.


Slide "My experience with PowerPay has been amazing. They have allowed me, on a strict budget, to obtain a high quality air conditioner without breaking the bank." - Maria P., PowerPay Customer Slide "We suffered damage during the last storm. We didn't know how we would pay for the repairs. With PowerPay we were approved in seconds and I was able to keep the monthly payment within my budget. Win-Win!" - Joe V., PowerPay Customer Slide "Easy and quick on-line process. PowerPay helped me get the smart generator I really wanted but didn't have the money to buy. I used them to purchase an air conditioner before and highly recommend them to everyone I know.!" - Carrie R., PowerPay Customer Slide "PowerPay helped me purchase the generator I wanted easily without the hassle. The process was quick and the payment was affordable. I would use PowerPay again and have recommended it to others." - Wes K., PowerPay Customer Slide "PowerPay gave me the chance to get the smart home devices I wanted without having to pay all at once." - Matt S., PowerPay Customer Slide "I used PowerPay for both my generator and hot water heater and the best part about this program is convenience. Not everyone can afford to pay for these expensive systems upfront. Power Pay makes it affordable!" - Lisa H., PowerPay Customer Slide "Applied in seconds. They were very helpful and found me a contractor right away and put my concerns first. Will definitely do business with PowerPay again." - Jennifer T., PowerPay Customer