Home improvement financing for your new windows

  • Rates starting at 4.99%
  • 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 card

Making window replacement and installation affordable.

Windows are an essential part of every home, but we often overlook them until there’s a problem. This important home feature allows natural light to come into the home, regulates the home’s temperature and also provides noise reduction. Ideally, windows work well enough that opening and closing them isn’t a chore and we never think twice about it. But, when windows start to wear and are in need of replacement, the cost can be a bit intimidating.
Finding a contractor who offers financing for your window replacement project can make it both affordable and attainable without worrying about having the full cost upfront. Plus, newly updated windows throughout the house can mean stronger curb appeal as well as increased energy efficiency and savings, helping you to earn back the cost of the initial replacement immediately after installation.

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Couple Looking Out Newly Installed Floor to Ceiling Windows

*Your actual rate may vary based on your credit score.  Calculator is only for estimations, your exact loan amount may vary slightly.

The Benefits You Get From Financing Your Window Replacement & Installation

While new windows can enhance your home’s comfort, natural light and energy efficiency, a new window installation project for the entire home can cost anywhere from $3,000 up to $10,000 depending on the number and type of window needed. Not having the money to cover the replacement costs upfront can mean putting it off until you can afford it, or only doing a partial replacement which can mean missing out on some of the benefits that a full window replacement can offer.

With the right contractor and financing options available to make your new window installation affordable, you can reap the full benefits of replacing all of your home’s windows at once.

Installing New Windows Can Save You Money By Lowering Energy Bills

Windows are for more than just aesthetics, they’re an essential part of every home. Proper windows keep a home safer, quieter, and help to regulate the home’s temperature. This results in less energy usage and more cost savings.

Windows account for 25-30% of residential energy used for heating and cooling. Replacing outdated windows can help you to save money by reducing your energy bills in the first year of ownership.

With no prepayment penalties and affordable interest rates through your contractor, you can finance an entire window replacement project and start saving as soon as the work is complete.

Good Financing Makes Replacing All Of Your Home’s Windows Affordable

To ensure maximum efficiency and curb appeal, it’s best to replace multiple windows all at once, but with a single window replacement costing anywhere from $100 to $650 it can be a costly endeavor.

The availability of financing with low monthly payments, affordable APRs and no prepayment penalties means no budget limitations and the ability to meet all of your window needs at once instead of split out over time. This can help expedite the entire window replacement process.

Financing Allows Your Window Replacement Project To Begin Right Away

Newer windows can reduce the energy costs of a home by up to 15% and as soon as the install is finished, energy savings will begin. Working with a contractor who provides financing to homeowners with instant approvals and lump sum payments means the contractor can begin the home improvement project sooner and complete it faster.

Choosing From Top-quality Windows Means Your Replaced Windows Will Last Longer

High-performance windows help to decrease harmful UV rays and outside noise, while some of the more advanced windows are programmable. And though not every home needs smart windows, installing newer windows throughout the home is imperative for increasing a home’s energy efficiency and market value.
When budgets are tight, some homeowners might resort to other options, like using salvaged windows, or cheaper window materials, but with APRs as low as 9% and no prepayment penalties from a contractor partnered with a quality lending partner, you can finance an entire window replacement project with the latest in window technology without breaking the bank.

Fast and Easy Approval Process

A great contractor provides their customers with instant approvals on home improvement loans of up to $100,000, a low APR and low monthly payments. With approvals in as little as 60 seconds, and funds available within the same business day, you won’t be held up by financial decisions that are out of your control.

Window Financing FAQ

Is It Worth It To Finance Windows For My House? How Much Does It Cost To Replace Windows?

Yes! Window replacement costs can be daunting and a typical window replacement project can cost anywhere from $3,000 to $10,000 depending on the number and type of windows needed.

High-performance windows may range from as low as about $300 to upwards of $1,000 for individual windows, but with a contractor who offers financing through a quality lending partner, there is no reason to put off the replacement.

With financing for your project, you will be able to take advantage of all the benefits that come with it, including:

  • Flexible payment options
  • No credit card required
  • Tax deductions on new windows and home improvements (if applicable)
  • Lower monthly payments with long term payment periods
  • No prepayment penalties or hidden costs

Is It Cheaper To Replace All Windows At Once?

Repairing or replacing windows may be a cost-effective way to maintain the integrity and value of your home for energy efficiency and noise reduction. Plus, chances are that if one window is giving you trouble, it’s likely other windows in your home need maintenance or replacement as well.

Working with a contractor that offers lending at low rates with long-term payment options means you can update windows in the whole home while spreading the cost across low and affordable monthly payments.

Is It Worth Replacing Windows Before Selling A House?

Most homeowners see more than a 75% return on their investment through increased resale value, with an even larger return when upscale window upgrades are installed. 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 and selling point. With the up-front costs covered across low monthly payments, and a low rate, installing new windows throughout the home can become not only affordable, but profitable.

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.