Offer Financing for Home Improvement Customers

Enjoy $0 Merchant Fee Options!

Offer the lowest payments for large purchases, easy and simple!

Home Improvement Services

Interior Remodeling Loans

Interior renovation and remodeling for new rooms and additions for anything inside your home.

Flooring Loans

Upgrade your floor with tile, hardwood, natural stone, porcelain, etc. includes material and installation.

Electrical Loans

From repairs to the entire home rewiring inside and outside.

Foundation Waterproofing Loans

Interior and Exterior waterproofing and foundation repairs – french drains, sump pumps and more.

Whole House Generator Loans

Loans for whole home generators from Generac, Cummins, Briggs & Stratton, Kohler and more.

Gutter Loans

Gutter replacement and gutter cover systems.

Attic Insulation Loans

Attic Insulation or wall insulation for any energy efficiency project.

Interior Remodeling & Addition Loans

Renovate or remodel rooms in your home or build an addition.

Lighting Loans

Exterior and Interior lighting including security and smart homes.

Paint & Wall Covering Loans

Interior and Exterior painting and wall coverings.

Sheds, Barns & Structures

Sheds, Barns and Structures affixed to the property.

Security & Home Automation Loans

Security and Home Automation includes audio and video, smart home, automated blinds, thermostats and more.

Sunroom & Patio Enclosure Loans

Sunrooms, Patio Enclosures, She Sheds, ADU’s and more.

Water Treatment Loans

Water filtration and water treatments.

The Benefits of Customer Financing for Home Improvement Contractors

Life should be full of freedom and choices. At PowerPay, we believe that contractors and dealers should have financing options for customers and be free from fees and have options to choose from which are just a few of the benefits of working with us to offer customer financing.

Save money by keeping more in your pocket

You can make the choice to refuse to pay bank fees when offering financing to your customers. At PowerPay, our core product is our No Dealer Fee program.

Sell more projects and grow your business

Our home improvement programs offer:  rates starting at 2.99%, 5, 10, & 15-year terms (20 and 25 years on special programs), soft credit pulls, programs for FICO scores from 500 – 850, 12, 18, and 24-month No Payment No Interest promotions, advanced funding, rate buydowns, highest approval rates in the industry and more.  Start saving while selling more projects. Our new loan software and upgraded customer service make financing a home improvement project faster and easier.

Negotiate less while upselling more

Today consumers only purchase what they can afford. With a financing company for customers to help pay the upfront costs, consumers will spend on average 18% more on their homes than if they had purchased the project upfront. Financing allows your consumer to purchase what they really want or need using affordable monthly payments. Scan our blog for more information about home improvement projects and financing.

With industry leading loan products and great support and customer service, now is the time to get started. Enroll today!

Introducing Concierge

Our newest service, PowerPay Concierge, was developed to help our merchants maximize their consumer financing program.  Having worked with over 6,000 merchants and thousands of borrowers, we took the most effective techniques and built a team that handles all aspects of a loan from application to funding.

Your concierge is your own finance manager and will help you sell, process, and close every one of your loans.  The premium contractor financing program is available to our merchants that don’t have a finance team but know the value and importance of consumer financing.
Learn more today!


of Americans have less than $600 in savings.


of contractors report financing increases their average sale.


of borrowers feel promotion financing allows them to make larger purchases.

How to Offer Financing to My Customers as a Contractor

Looking to understand how it works? Don’t worry – Enrolling is easy! And, we will be with you throughout the entire process. Once you’ve enrolled and been approved to offer PowerPay loans, training will be provided for you and your team, including resources such as mobile links for your website, marketing assistance, printed guides, excellent customer service, and on-demand assistance for any loan.

Once you and your team have been trained, you can start offering loan products to your customers. Using a simple application link, your customers can apply for a loan.  Once approved, the system will guide you through the process of loan product selection, sending loan documents, collection of identity & work order documents, the processing of stipulations for applications require more help, and finally getting paid.  We have a team standing by from 8 am – Midnight (EST) every day to help you.

For contractors new to consumer financing or who do not have the resources to manage the loan process, we offer our Concierge Service. Concierge is our white glove service that offers dealers instant and on-call access to their own personal finance manager who will manage the entire process for you!  Learn about Concierge.

Win More.

close more sales by focusing on low monthly payments

Keep More.

eliminate paying fees to banks and finance companies

Earn More.

no more compromising on price – upsell the project your customer really wants


Home Improvement Contractor FAQ’s

What's considered a home improvement ?

Any equipment, service, installation costs or other project related to home improvement qualifies for financing. The following is a partial list of what PowerPay finances:  HVAC equipment & installation, attic insulation, stone veneer, windows, siding, roofing, kitchen remodels, bathroom remodels, custom cabinets & installation, carpet, deck & patio, doors, fireplaces, garage doors, smart home equipment & installation, hardwood flooring, paint & wall coverings, hardscaping, landscaping, siding & exteriors, tile, stone & countertops, air conditioning & heating, gutters, driveways, spas & swimming pools, home additions, deck building, tile installation, basement remodeling, fence installation, lighting installation, garage building, backsplash installation, electrical and plumbing and appliances.

Here’s a more complete list.

Additions, Attic Insulations, Renovations and Structural Changes, Air Conditioners, Artificial Turf, Awnings, Bathroom Remodels, Car Ports, Chimney Repair & New Chimney Builds, Decks & Patios, Docks, Doors, Energy Saving, Retractable Pool Covers, Fencing, Fireplaces, Foundation Repair, Garages, Pole Barns, Garage Doors, Garage Storage Systems and Floor Sealer, Gazebos, Generators, Gutters and Gutter Systems, Hardscaping, Irrigation, Kitchen Remodels, Landscape Installation, Masonry/Asphalt: Driveways, Concrete, Pavers, Retaining Walls, Oil/Propane Tank, Outdoor Kitchens/BBQ, Outdoor Lighting, Painting, Patios, Ponds, Pool Remodeling and Repairs, Roofing, Salt Chlorinators, Siding, Solar Photovoltaic, Solar Thermal: Domestic Hot Water Heating, Stone Veneer, Pool Heating, Pools, Spas, Sport Courts, Storage Units & Sheds, Sun Rooms, Windows & Doors, Wind Turbines, Wood Playsets

Air Conditioning and Heating systems, HVAC equipment, Basement Systems, Basement Waterproofing, Basement Remodeling, Boilers, Cabinets and Cabinet Refacing, Closet Finishing Systems, Countertops (quartz, granite, marble, etc) & Backsplash, Dampers, Duct Cleaning, Electrical, Fans: Whole House, Gable, Ceiling, Fireplaces, Flooring, Furnaces, Gaming Tables, Garage Heaters, Geo-Thermal Systems, Heat Pumps, Home Safety Solutions, Stair Lifts, Wheelchair Ramps, Home Theater, Indoor Air Quality: Filtration, Hardwood and Vinyl Flooring, Humidification, Thermostats, Insulation, Lighting: Installed, Painting, Plumbing, Shower Refacing, Liners, Shower Replacements, Walk-In Tubs, Remodels: Room Additions, Renovations, Smart Home Equipment, Security Systems, Stoves: Gas, Wood, Pellet, Tile, UV Lights, Water Heaters, Water Softeners, Window Treatments and Window Coverings.

Why should I offer financing?

50% of all home improvement investments over $5,000 are financed.  Additionally, over 30% of all homeowners research financing options before making a home improvement purchase.  Offering financing enables you to close more sales and earn more money on every job. By translating a large, expensive home improvement into a low monthly payment, you’re less likely to lose sales because of pricing, and you’re less likely to see customers haggling with you over costs. Quite simply, offering financing can help you to grow your business.

What Loan Programs are available to me?

Here are some of our most current programs for Dealers and Contractors.  Please see your sales rep for more details.

Base Program
  • No Merchant Fee Options
  • Rates start as low as 4.99% (buydown)
  • FICO 600 or greater
  • Advanced funding available*
  • Terms:  5, 10 or 15 year – lowest monthly payment (20 & 25 years for special programs – new)
  • no prepayment penalties
  • no credit cards
  • soft pull
Promotional Program
  • Up to 24 Months NO payments NO accrued interest (12, 18, and 24-month options)
  • Deferral Period begins at the completion of construction
  • 15 Year Product
  • NO Balloon Payment: at the end of the deferral period your customer just begins making their low monthly payment with rates as low as 8.99%
  • NO Credit Card
  • Discounts from 5%
Balance Pay (BalPay)
  • 2, 3, 5 Year NO Interest “Equal Pay” Product with an ultra-low default 8.99% APR

PowerDown Program – 500+ FICO

  • Rates starting at 12.99%
  • Credit Score as low as 500
  • Credit Limits up to $45,000
  • Discounts as low as 5%

My customer was approved but isn't ready to start, how long until the application expires?

With supply chain issues home improvement projects can take a longer time to get started.  An approved application will expire in 180 days from the date of approval.  This means that if your project has not been complete

Do you offer Advance Funding or Staged Funding?

Yes.  We offer advance funding which gives contractors money in advance to start their projects.  Our current base program is 40/60 with 40% paid on job commencement or material purchase, with the remaining 60% paid at the completion. of the project. First, all contractors must apply, and be approved before they get access to staged funding.  Approval can take a few days or more depending upon the level of review that’s required.  For active merchants with a Merchant ID you can use this link to request access to advanced funding

Do you offer APR buydowns?

Yes, we offer every merchant the option of buying down the rate.  You will see this option when you log in PowerPay and start working on the loan.  Buydowns can be very effective tools to help close a transaction.  Some contractors use them on every sale and build the pricing into their entire selling program.  Others use the buydown selectively to help close a customer that is interest-rate sensitive.  In most cases we allow you to buydown the rate to 4.99% and may have other options for volume  merchants.  There are fees for the premium service which you can discuss with your territory representative.

Why do Dealers & Contractors choose us?

We were founded by a home improvement professional who knows firsthand the power of financing, as well as the damage fees can do to your bottom line and your customers’ pocketbooks. The average contractor pays 7.5% in fees on every financed home improvement project. That’s why we have no hidden contractors fees, credit cards or prepayment penalties.  There are other important benefits for dealers:

  1. Fewer Declines:  We now boast the highest approvals in the industry.
  2. Customer Service: We’ve invested millions in our customer service team to give you better service.
  3. Sofware: We’ve invested millions into our new loan software – making it faster and easier to use.
  4. Fast Funding:  we can fund via ACH in one day.
  5. Longest Terms:  PowerPay also offers the longest payment options – up to 15 years (20 and 25 years options on special programs)
  6. Lowest Rate: rates start as low as 4.99%.
  7. Maximum Loan: we can offer up to $100,000 on our home improvement loans
  8. New Programs:  we are adding new programs to help you convert more customers, StipPay, APR Enhancement and more!
  9. Support and Customer Service:  our team is standing by from 8 am to 12 midnight (EST) 7 days per week.
  10. Promotional Programs: 12, 18, and 24 months No Interest, No Payment options

How do my customers pay me and what's my risk?

Customers don’t pay you.  PowerPay will direct deposit funds into your account via ACH within 48-hours after the install.  You keep 100% of the funds, and your payment is guaranteed when you complete the project.  It’s simple, fast and easy.  No more collection calls and chasing clients for payments.

How does PowerPay work?

By using PowerPay you are giving your customers options to pay for home improvements with financing.  Your customer will apply online using our online application form and a decision is generated in seconds.  Once approved, you can complete the transaction with your customer from our easy-to-use portal.  Electronic documents will be sent via email and your customer can sign electronically – we are fully paperless.  Your customer won’t get any bills for a month or so after installation.  You will get paid by PowerPay in full after the installation is complete.

Who is the Lender?

While other finance companies serve as “middlemen” and take fees from you for allowing you to offer financing to your customers, PowerPay does not act as a middleman or lead generator. We have funding commitments for $15 billion.  Every borrower is approved through our systems and all loans are processed through our system. That means that we control the rate and loan term, and service every loan.

How complicated & time consuming is set up?

With PowerPay, enrollment is through a simple form that takes 2 minutes.  After that, our team will train and onboard you or your salespeople at no cost at a time that’s convenient for you.  Our process is so simple that training takes less than 30 minutes.  We can have you up and running and writing loans in one day.

Promotional Programs - the difference between PowerPay and other banks

There are several types of promotional loans. PowerPay offers two types.  Same as Cash and 12, 18 and 24 months no interest and no payment promotions.  First, PowerPay promotional loans are not credit cards.  They are unsecured personal installment loans.  The main difference between a credit card loan and PowerPay promotion is the interest rate once the promotion is over.  In most credit card “teaser” promotions that rate, once the promotion ends, will be in excess of 29%.  Our loans, once the promotion ends will be approximately 8.99% for 15 years with no prepayment penalties so customers can pay off whenever they like.  We don’t like the credit card promotions because the fees are excessive and we’ve seen too many people get hit with accelerated payments and massive fees.  It’s just unfair and most contractors don’t seem to care what the customer pays after they’ve completed their job.

With uncertainty in the economy and financial markets we believe that if a customer wants to use the promotion and then pay it over time, it should be at a fair and reasonable rate.  Most contractors and dealers offer “teaser” promotions as a marketing tool but at the end of the day, only consumers will above-average credit qualify.  PowerPay offers promotions for customers at many credit levels.

Our same as cash promotions essentially allows the customer to make a purchase and pay off the loan in equal monthly installments similar to how you purchase an iPhone.  These programs are offered with the lowest fees in the industry.  Ask your sales rep for more information.

How do I offer the PowerPay Program?

This can be done in a few ways.

First, your clients can apply at
The second option is that we can supply you with a link or button for you to add to your website.
Third, customers can apply by contacting our call center with your Merchant ID.
Finally, your salespeople can provide a link or tablet during in-person visits.

How do I get help?

We are here for you.  When you are in the home, in the office, and need help with closing a loan with a customer we are here for you.

In the home: we offer a phone hotline, text, and email communication.
In the office: you can call or use our online ticketing system.
Training: we offer multiple training sessions – from orientation to advanced training with Q&A for our clients.  We also offer customized team training.
FAQ’s: we have an expanding list of frequently asked questions
Video Training: we offer video training for every user level from beginner to advanced.

Offering Financing for Home Improvement Clients with PowerPay FAQ

Visit our PowerPay FAQ to learn more about offering home improvement clients financing, as well as answers to other frequently asked questions about our loan programs.