Window Financing for Contractors

Offer home improvement loans to customers with no hidden contractor fees or credit cards.

Up to 18 months, no payment, no interest promotional loans
Rates from 8.99% up to 15 years
No contractor finance fee options
Instant approvals up to $100,000
Quick payments
Soft credit pulls and a paperless process
Close more bids and save you and your customers’ money

Make Window Replacements More Affordable For Your Clients

While most customers understand the value of a window replacement investment for their home, not having the money to cover the project means putting off the necessary work until they are able to pay for the full investment upfront.

If you’re in the home improvement business, you know that far too often window replacement projects are constrained by budget, often leading clients to sacrifice the best materials and needs for their home in order to save money.

As a contractor, partnering with a superior lending provider allows you to make window replacements more affordable for your clients by spreading the costs out over time with low monthly payments and long-term repayment plans. This allows the customer to make a buying decision now and have the money to get the best materials for the job.

Offering financing also allows you to fund more window replacement projects, opening your contracting and remodeling business to sell more projects and grow revenues.

Close More Sales

Eliminate paying fees to banks and finance companies

Seamless Funding

Close more sales by focusing on low monthly payments

Sell More

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

The Benefits of Offering Financing to Window Replacement Clients

As a contractor, you’re well aware that window replacement offers clients stronger curb appeal for the home, increased energy efficiency, better noise control, comfort, and security, but to replace all of the windows in a home at once can be very expensive.

Having a quality lending partner allows you to translate large upfront costs for your clients into affordable, low monthly payments over a long period of time no matter the number or type of windows, like vinyl, wood, or even high-performance windows that the home needs. This opens you up to focus on what really matters – choosing the designs and windows that meet the unique needs of your project and client.

Installing New Windows Can Save Your Customers Money by Lowering Their Energy Bills

Windows account for 25-30% of residential energy used for heating and cooling. And while updating an existing window can help to improve efficiency, the fixes are only temporary and the savings are minimal. Left with those older window inefficiencies, a homeowner can spend as much as they could earn on energy savings in the first year after replacement.

With APRs as low as 8.99% and no prepayment penalties from a quality lending partner, customers can finance an entire window replacement project today using the top window manufacturers like JELD-WEN, Marvin Window & Doors, Pella Windows, Ply Gem Windows, Velux USA, Alside, Andersen Windows & Doors, Harvey Windows & Doors. And, with the financial backing to finance the entire project upfront, your clients can start saving as soon as the work is complete, making window replacement an even more appealing home improvement project to offer your clients.

Financing Allows You to Start a Window Replacement Project Right Away

Windows can be tedious to source and install, and as a contractor you know that as soon as the install is finished, the energy savings will begin for your clients! Providing financing to customers with instant approvals means projects can get completed faster and efficiently due to:

  • No cost limitations on material selection, allowing you to source materials faster
  • Quick access to funds for the full project costs upfront from a lending provider
  • No fees for you as the contractors
  • Promotional products of up to 18 months with no payment or interest help close deals quickly

Providing your customers an option to finance the full costs of window replacements upfront means your team can get to work immediately so your customers can stop wasting money on their drafty house and start saving on their energy bills.

Financing Allows You to Complete the Project Now Instead of In Stages, Saving Both of You Time and Money

Contractors know that for customers to get the most out of their window replacement project it’s best to replace multiple windows at once, but explaining to your customer why they need a full window replacement can be a tricky conversation to navigate.

The availability of financing that offers quick approvals and low monthly costs means less concerns around budget so that customers no longer have to put off window replacement projects, or only do half of the estimated project.

Allows Your Clients to Choose Top-Quality Windows Which Will Last Longer and Save On Energy Costs in the Long Run

Not every window or window frame is built the same. New windows can reduce the energy costs of a home by up to 15%. High-performance windows can help to decrease outside noise and harmful UV rays, while some of the more advanced windows come with remote controlled options. Though not every customer will want all the bells and whistles, installing newer windows throughout the home is a crucial part of increasing a home’s energy efficiency and market value.

Having the ability to offer your clients a wide range of the most popular window types – single hung, arched, awning, bay, bow, casement, egress, garden, jalousie or storm windows – without worry about a large upfront investment could increase your bottom-line and customer satisfaction. Most window replacement contractors prefer that consumers purchase higher quality windows, not because contractors make more, but because they know it’s a better investment for the home and homeowner. Offering financing turns the expensive project into low, affordable, monthly payments which can be paid off at any time with no penalties.

A great lending partner will allow your customers to afford the window replacement project that’s right for them while also providing:

  • Affordable interest rates from 8.99%
  • Simple and quick application process with approvals in as little as 60 seconds
  • Long loan terms, ranging up to 15 years. The longer the term the lower the payments. Customers buying multiple window replacement care more

Offering Financing Options Directly to Your Customer Eliminates the Time Required to Shop Around for Financing

Quality financing services make it easy for you to provide financing options directly to your clients, reducing the stress and burden your customers may experience when shopping around for financing. Consumers can apply online, on a mobile device or in the home with the contractors employees. Consumers can apply for home improvement loans in seconds or minutes.

Some lending partners include custom pages, links, buttons, widgets, loan calculators and other features you can embed on your website, enabling fast access to financing for customers looking for funding solutions online at the click of a button and all through one company.

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.

Window Financing for Contractors FAQ

Is Window Replacement a Large Enough Project to Warrant Financing for My Clients?

Yes! No project is too small when it comes to saving money and completing those necessary home renovation projects. A lending partner can help with loans as little as $1,500 to help your clients cover the full cost of window replacements which average $650 per window replacement nationally.

Why Should My Customer Choose to Finance Their Window Replacement?

A new window installation project can cost a customer $3,000 to $5,000, and that’s not including the labor. High-performance windows that provide the most energy savings and curb appeal, can range from $300 to $1,000 each window.

Regardless of the window selected, reduced energy demands begin once installation is finished and maximized when multiple windows are replaced at once.

By spreading the project’s cost over time at a fixed-rate with low-monthly payments, a digital lender helps your customers afford the window replacements they need now to start saving sooner.

Does a Financial Loan Provide Any Benefits to My Clients Who Can Afford a Window Replacement Out of Pocket?

Yes, with low monthly payments and zero prepayment penalties, there’s no downside to financing even for clients who can afford window replacement. A loan can mean being able to increase the scope of the project, or use more advanced materials while still keeping money stowed away to help with other home improvements and needs.

Plus, with a great loan provider, clients who can afford to pay loans back sooner won’t have to worry about prepayment penalties, making funding window replacement projects both easy for customers and easy for you to tailor to their individual needs.

How Much Can My Clients Expect Their Property Value to Increase If They Install New Windows?

New windows add to a market value, with most homeowners seeing more than a 75% return on their investment through increased resale value.

Beyond the market value increase, new windows also boost a home’s curb appeal, reduce noise from traffic and other sources and increase energy efficiency, making them an ideal home improvement project for your customers. And, a quality lending partner can make the entire project more cost-effective for you and your clients.

PowerPay FAQ

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, 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 and plumbing and appliances.

What Loan Products does PowerPay offer?

Base Program
  • No Dealer Fee Options
  • Rates start as low as 8.99%
  • staged funding available*
  • terms options are 5, 10 or 15 years (lowest monthly payment)
  • no prepayment penalties
  • no credit cards
Promotional Program
  • Up to 18 Months NO payments NO accrued interest (12-month or 18-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

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.

Why do dealers and contractors choose PowerPay?

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. Longest Terms:  PowerPay also offers the longest payment options – up to 15 years.
  2. Lowest Rate: rates start as low as 8.99%.
  3. Maximum Loan: we can offer up to $100,000 loans with staged funding for qualified contractors.
  4. Higher Approval Rates: tired of declines?  PowerPay has the highest approval rate in the industry.
  5. Fast and Direct Payments:  we wired funds fast direct to via ACH to your bank account.
  6. New Programs:  we are adding new programs to help you convert more customers, StipPay, APR Enhancement and more!

How do 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.

How do I offer PowerPay to my customers?

There are a number of ways to offer PowerPay to your customers:

First, your clients can apply at
Second, 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 and using your dealer/contractor ID.
Finally, your salespeople can provide a link to apply or use a tablet with our application form during in-person visits.

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. That’s why we are able to not charge any fees.  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 and 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 months and 18 months 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 12.99% for 10 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 allow 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.

PowerPay Partners