Home Improvement Loans Program


There’s a better way, and we have it.  POWERpay is a commerce platform built to help contractors and consumers with home improvement projects. There are NO FEES + NO COST to participate. Now you can offer your customers payment options with POWERpay.


We offer an easy and nearly instant sign up.  Once you’ve completed enrolling in the POWERpay program your dealership will be ready to write loans in less than 24 hours. We will provide logins for your team so they can write loans in your customers home, office, or online.

Processing Loans

Using POWERpay is easy. We made it easy for your customers to complete a simple loan app with automated approvals within seconds. We also made it easy for you process the paperless system and get your customer their equipment and installation faster.


Our goal is to make your life a little easier, help you sell more product, give your clients a reason to come back or refer you to their friends. Our loan process is seamless, paperless, and speeds up the time to process the loan so you can get paid faster.


Our program uses the state-of-the-art technology platform to secure you and your clients when applying for a loan.

Up-sell Opportunities

Most contractors don’t realize that customers who finance tend to spend more (invest) in their home. With low fixed monthly amount, we find that customers upgrade to larger or better unit and are more likely to get the enhancements because it’s more affordable with financing. Many contractors complain that their sales team or admin don’t try and bundle things like warranties, maintenance, and service at the time of sale. They also don’t understand that some or all of these items can be included into the loan. Many customers prefer to know what the total of their monthly bill. Customer like options so it’s added to your program.

Wait, it gets better

POWERpay is adding new programs to help you sell more, make more money while helping you close more customers.

Close More Sales

Same as Cash
100% Funding on Installation
0 Points to Dealer

Seamless Funding

Immediate funding upon install
No paperwork
We handle everything

Sell More Stuff

Equipment and Install
Smart Home products
Maintenance and Repairs

Frequently Asked Questions

What's considered a home improvement ?

Any equipment, service, installation costs, etc. related to home improvement qualifies for financing. This is a partial list of what POWERpay finances:  HVAC equipment & installation, Attic Insulation, Stone Veneer, Windows, Siding, Roofing, Kitchen remodels, Bathroom Remodel, Cabinets, 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, Spa & Pool, Home Additions, Deck Building, Tile Installation, Basement Remodeling, Custom Cabinets, Fence Installation, Lighting Installation, Garage Building, Cabinet Installation, Backsplash Installation, Electrical, Plumbing, Appliances, etc.

Why should I offer financing?

It’s a fact that 50% of all home improvement investments over $5,000 are financed.  Additionally, over 30% of all buyers research financing options before making a home improvement purchase.  By not offering a financing option you are missing out on sales opportunities.  Customers that need financing aren’t contacting you.  You are also missing out on customers that may make a larger purchase if financing was available.  Offering financing will help your business grow and it’s why Home Depot, Lowe’s,  IKEA and every major retailer offers it.  Now you can too!

Why do Dealers & Contractors choose us?

We are former dealers who understand the needs of the local contractor / dealer.  We also charge ZERO fees.  We offer the longest payment options, up to 15 years.  Our rates start at 8.99% and $100K max loans, with staged funding for qualified contractors.  We have $15 Billion to lend.  Our goal is to help you sell more. We don’t charge you anything to participate.  You keep 100% of the sale.

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. When you complete the project your payment is guaranteed.  It’s simple, easy and fast.  No more collection calls and chasing clients for payements.

How does POWERpay work?

It’s a pretty simple model. By using POWERpay, you are giving your customers options to pay for home improvments.  In order to get financing, your customer will apply online 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 – no paper!  Your customer won’t get any bills for a month or so after installation.  You will get paid by us after the installation is complete.

Who is the Lender?

Other finance companies serve as”middlemen” and take fees from you for allowing you to offer financing to your customers.  We are not a middleman.  We are not a lead generator.  That’s why we don’t charge fees.  We have funding committments for $15 Billion.  Every borrower is approved and all loans are processed through our system.  We control the rate, loan term, and service every loan.

How long does it take to set up and get started?

With POWERpay, the enrollment is a simple form that takes 2 minutes.  After that, our team with train and onboard you or team at no cost and at a time convient for you.  That means evening, weekends, whatever works best for you.  Not only that, we’ve simplified the process so that training takes less than 30 mintues.  We can have you writing loans in 1 day.

Why we don't offer No-No Loans

A No-No loan is also known as a deferred interest credit card loan.  We don’t offer teaser loans for a few reasons.  Studies show that most customers that qualify for these loans can afford to pay cash for the home improvement.  So by offering these loans you are paying on average 10% in bank fees, and either eating the cost of the loan or passing it on to your customer.  This does not make a lot of sense.  The main reason to offer financing is to help the customers that cannot afford to pay cash for a home improvement to help you grow your business.  Deferred Interest credit card promotions don’t really help the customers that need it because the payments are much higher and if they are late or miss a payment the customer is hit with heavy penalties and an acceleration of the interest payments.  It’s a credit card and rates can be as high as 30%.

We don’t believe in these loans.  We offer a fair, low interest rate with 5, 10, and 15-year options so your customer can get the lowest payment possible so they can afford the best home improvement you  can offer.  A fair deal, with no fees ensures everyone is happy.

How do I offer the POWERpay Program?

This can be done in a few ways.

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

generator finance options