Plumbing financing for all of your plumbing needs

  • Rates starting at 4.99%
  • No payments for up to 12 months
  • Up to 15-year terms
  • Borrow up to $100K
  • Soft credit pull will not affect your credit
  • No prepayment penalties or hidden costs
  • No credit cards

Make your home plumbing needs affordable.

Is it time to update the plumbing system in your home? For many homeowners it can be hard to tell whether it is time for an upgrade since plumbing issues aren’t always so easy to spot. Unless there is a visible leak, most homeowners don’t give their plumbing a second thought. However when they do, the idea of having to replace a system throughout the entire home can be overwhelming.

An experienced contractor may be able to put your worries at ease regarding the quality of work, but what about the cost and the obstruction to your home that comes with this kind of project?

Partnering with a quality lending financial institution who provides loans up to $100,000 with no prepayment penalties and low and affordable monthly payments means getting your next plumbing project done quickly and efficiently without concerns about overextending your budget.

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Reasons to Finance Your Next Plumbing Project

Whether your home is in need of an upgrade, or you are making an investment in your property, an experienced plumber or contractor will undoubtedly make the overhaul of your home’s plumbing a bit easier. Though that also means increased costs and labor to get your home looking and feeling back to normal.

Partnering with a contractor who offers home improvement loans can make the project feel seamless by providing you a one-stop-shop for your plumbing needs and giving you a leg up on closing out your next plumbing project faster and more efficiently.

Get an Entire Plumbing Overhaul Completed at One Time

Plumbing projects can be intrusive given that systems span the majority of your home and require plumbers to go behind the scenes. They often go through walls and under flooring in order to locate issues or repairs, or to install new plumbing systems like replacement faucets, bathtubs, toilets and more.

Not only are plumbing projects intensive on your home, but plumbing itself is a highly specialized trade that requires thousands of hours to master. These hours come with expensive rates averaging anywhere from $50 to $200 depending on the job requirements.

In fact, large plumbing projects like installing new plumbing systems or repiping an entire home can cost anywhere from $2,000 to $15,000. Obtaining financing through your contractor or plumber allows you to complete those large plumbing projects all at once, instead of in stages. This provides you with the flexibility of long term repayment plans, low APRs and affordable monthly payments rather than a lump sum installment.

Financing Allows You to Be Prepared for the Unexpected

A plumbing renovation project can often lead to unwelcome surprises or repairs, like corroded pipes in need of emergency replacing, or a sump pump that fails after a mid-project power outage.

Working with a professional who is partnered with a great financial lender allows you to be prepared for those unexpected expenses and repair work by providing loan approvals in as little as 60 seconds with up to 24 months of no payments and no accrued interest.

That way, when the clogged toilet you need repaired ends up requiring an entire piping replacement, you won’t have to turn anywhere else for the solution. Your plumber can help you find the financing you need to keep the repair work moving forward.

Updated Plumbing Can Have a Valuable Return on Investment

Updating your home’s plumbing can be a huge factor in selling your home. Plumbing projects can be daunting due to the overall scope of the project, but upgraded plumbing systems can be a focal selling point for your home. Updated plumbing protects valuable building materials from water damage and new plumbing designs use less water, thus saving on energy.

In fact, even on a small scale, plumbing and electrical updates for your home can produce an average 260% return on investment. With an upgrade to the piping, which can last in a home for up to 100 years, plumbing is an emotional investment too – saving future potential buyers the peace of mind in knowing that plumbing isn’t a home improvement they’ll need to worry about in their lifetime.

Applying For a Loan is Quick and Easy

For those large plumbing projects on your radar, like installing an addition to your home complete with plumbing for a full bathroom which can cost anywhere from $2,000 to $10,000, it helps to plan ahead of time for the expense.

Having a contractor or plumber who works with a quality lending partner that offers quick and painless online applications, with high approval rates and near instant approvals can remove the hassle and burden of figuring out the finances.

In fact, the best financial lenders partner directly with your plumber or contractor to offer loan applications directly through their website so you don’t even have to leave the comfort of your home to get the financing you need.

Applying for a Loan Won’t Impact Your Credit

We’ve all been there when we’re applying for a loan, or an apartment or home and that dreaded credit check comes through and knocks your credit score down a few pegs.

But, with a quality lending partner, applying for a home improvement loan won’t ever negatively impact your credit score. Quality lending partners only complete a “soft inquiry” or a “soft pull” to verify your credit.

These soft inquiries have no impact on your credit meaning there’s no downside to applying for the home improvement loan that you need.

Our Most Popular Home Improvement Loans

Interior Remodeling Loans

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

Electrical Loans

From repairs to the entire home rewiring inside and outside.

Exterior Siding Loans

Install any siding project including vinyl, fiber cement, Hardie board, composite, wood, metal, brick, and stone siding.

Foundation Waterproofing Loans

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

Sunroom & Patio Enclosure Loans

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

Water Treatment Loans

Water filtration and water treatments.

Plumbing Financing FAQ

Is My Plumbing Project Too Small for Financing?

While some standard plumbing projects may be too small for financing such as a clogged drain or leaky faucet, larger plumbing projects, like upgrading all of the old pipes in your home, or even setting up the plumbing for an upgraded or larger bathroom in the home may qualify for financing.

Most quality financing is available for a project as little as $1,500 and for projects as large as up to $100,000. If your project is large enough, financing is a great option to remove the burden of large, upfront, lump sum payments and instead spread them out over low and affordable monthly installments.

Why is Plumbing Work so Expensive?

Like many other types of projects, the cost of a plumbing project depends on the quality and type of materials being used as well as the type of work being completed.

With a specialty like plumbing, which requires thousands of hours of work and titles ranging from Journeyman to Master Plumbers, your standard plumber is required to gain several licenses and certifications that other trades may not require.

A master plumber, who can fully construct and design as well as install and alter pipes and fixtures, charge expensive rates for this type of work, going all the way up to $200 per hour. Combined labor costs with the cost of plumbing and replacement parts like pipes, sump pumps, sinks, bathtubs and more, plumbing projects can become quite expensive. Plumbers are involved in projects like kitchen and bathroom renovations, geothermal heating and cooling, HVAC, outdoor kitchens, home generators and more.

I Need an Emergency Plumber, But How Can I Pay for the Work?

We’ve all heard about those disaster plumbing stories and emergency pipe bursts and leaks, but when it happens to you, it’s hard to be prepared.

Although, when you work alongside a great contractor who partners with a quality lending partner, financing can be approved in as little as 1 minute for up to $100,000. This helps you translate that large upfront sticker shock into a low, affordable monthly payment with rates as low as 4.99% and no prepayment penalties if you can afford to pay it off sooner.

How Can I Finance My Next Plumbing Project?

You have several options when it comes to paying for that big plumbing project you need done including using a home equity loan, extending a home equity line of credit, acquiring a personal loan, paying with a credit card, or applying for a home improvement financing loan.

When you work with a plumber or contractor who is already partnered with a quality lending partner, you can acquire a home improvement loan through them. With easy to use online applications, fast approval processes and repayment terms of up to 15 years, a home improvement loan is the best option for those large plumbing projects.

Do All Plumbers Offer Financing?

While not all plumbers offer financing options, the best quality plumbers do in order to help you prepare for the unexpected. Find out if your plumber offers financing by calling them today, or by checking out their website for more information.

If your local plumber doesn’t currently offer financing, direct them here to sign up with a quality digital lender so that you can finance your next project with them at the click of a button to cover all your plumbing needs.

Powerpay FAQ

What is PowerPay?

PowerPay is a digital lending platform for the home improvement industry. Our fully automated technology offers near-instant approvals on loans up to $100,000, helping homeowners translate expensive home improvement projects into low monthly fees that can be paid over time.

Unlike other digital lending platforms, PowerPay is a fully independent company that is committed to delivering loans with no extra fees or added costs in order to offer the lowest monthly payment possible to our customers. After all, the more affordable the loan, the bigger the possibilities for your home.

What home improvements can I finance?

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 contractors can I work with?

Any contractor can provide PowerPay financing.  If your contractor does not offer it, simply ask them to sign up on our dealer enrollment page.  It’s free for the contractor to sign up, takes only a few minutes to set up their account and they can process your loan in less than 48-hours. 

Does using PowerPay impact my credit score?

No.  When you apply for a PowerPay loan it will not affect your credit score.  PowerPay uses what’s known as a soft pull from credit agencies.  A soft inquiry—also called a “soft pull”—allows us to review your credit report and credit score to get a sense of how well you are managing your credit but it will not affect your score.

What equipment do you finance?

We work with all of the major equipment and material manufacturers.

Why should I use PowerPay?

Just like many people finance their car payments, over 50% of all home improvement projects are financed. Financing can be a great payment option when your dream project costs too much money to pay for all at once. Using PowerPay, you can translate that expensive lump sum into a low, affordable monthly payment. The result is the opportunity to stop worrying about what a project costs, and spend more time dreaming about the possibilities for your home.

What makes PowerPay different?

PowerPay is a fully independent company that is committed to delivering loans with no extra fees or added costs in order to offer the lowest monthly payment possible to our customers. After all, the more affordable the loan, the bigger the possibilities for your home.

How do I buy with PowerPay?

It’s easy. You can either work through your participating contractor or contact us directly.  Follow our simple application process. If you pre-qualify, you’ll be shown the monthly cost of the item and can complete the process.

Where do I apply?

You can apply on our website at our online application form. Or, simply work with any participating contractor.

How can I get approved for a loan?

Just fill out the simple online application and receive a decision in seconds. It’s that easy.

Who is eligible to apply for PowerPay?

U.S. residents over the age of 18 (or 19 for Alabama or Nebraska residents) are eligible, provided we can verify your identity.

Can I pay my loan back early?

Yes. You can prepay anytime for all or part of your loan. There is never a penalty for paying early.

What is the application process like?

The application process is fast and easy. You’ll be asked to provide some basic information about yourself. If you qualify, you will receive an email with one or multiple loan options along with a loan limit that may even go beyond the cost of your project. You may opt to borrow more and add things like annual maintenance and monitoring to your loan.
Where applicable, there is a one-time member activation cost for each approved loan. For convenience, that cost can be rolled into the final loan balance. As a PowerPay member, you also get exclusive access to member benefits from our lender, including insurance, monitoring, utility, & entertainment partners. Your contractor will walk you through the details prior to signing. All of the documents are electronic so you can sign everything from your home or office without any paperwork.

How does the financing work?

Fill out our online application and receive an instant approval via secure private email. Next, select the plan you want to choose with your contractor and then receive and sign our secure paperless closing documents. 

Can I obtain a direct loan using PowerPay?

Yes.  PowerPay is available to help to finance a home improvement through participating contractors, but if you do not have a participating contractor, we can help connect you to one in our network. Alternatively, your current contractor can enroll with us and be up and running in less than 48-hours.

Is PowerPay a bank?

No, we are not a bank. We are a digital lending platform designed specifically for the home improvement industry.

Are payments secure?

It is very important to us that your personal information remains secure and encrypted. We install endpoint protection software and/or secure web gateways at all points in our online process. There is a data protection policy in place to help ensure that personal data is kept secure.

How do I make payments?

Once your loan is processed you will receive your loan documents, welcome package, and payment instructions. You can pay with ACH, check, or debit card.

How is the APR (annual percentage rate) determined?

We work with our lender network to look at the credit risk of you as a borrower, and to give you a rate that fits your credit profile. Your financing options are presented to you in clear, simple terms. You are never obligated to accept them. Unlike many platforms that offer credit cards, PowerPay strives to offer lower-risk borrowers with lower rates. The annual percentage rate is the cost of credit as a yearly rate.

Why was I declined for a loan?

Unfortunately, financing options can’t be provided to everyone. If you believe a mistake has been made, please let us know by contacting 800-397-4485. If you are declined, you will receive a notice within 30 days at the email address you provided to us, describing some of the reasons you were declined. Applicants are declined only for credit reasons.

Where can I ask a question or make a complaint?

Please let us know right away. If we have fallen short of our goals, we’d like to know as soon as possible so that we can rectify the situation. You can call us at 800-397-4485 or chat online 24 / 7.

When are my payments due?

Your first payment will be due approximately 30 days from the funding date. Subsequent payments are due every month after that, usually on the same day of each month.

Is PowerPay a credit card?

No. PowerPay is a consumer loan program. You do not need to hold and manage yet another credit card when you work with PowerPay.