Home improvements don’t just improve the home. They improve life.

Never compromise on your home improvements.

Chances are, you’ve always had a vision for what your home can be. But when it comes time to remodel your kitchen, update your roof or enhance your HVAC system, costs can enter into the tens of thousands – and therefore might not be affordable. By transforming that cost into a low monthly payment, homeowners can finally make their dream for home a reality.

What is PowerPay financing?

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.

Why should I use PowerPay?

We’re Lending It Forward. Unlike other companies out there, PowerPay is a fully independent company that is committed to delivering loans with no extra contractor fees or added costs in order to offer the lowest monthly payment possible. After all, the more affordable the loan, the bigger the possibilities for your home.

How do I buy with PowerPay?

Getting set up is easy. Simply work with your contractor or work with us directly. You’ll fill out our simple online application form, and if you qualify, you’ll be shown the monthly cost of your project. You can complete the process whenever you’re ready.

Common Homeowner Questions

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.

What equipment do you finance?

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

What makes PowerPay different?

PowerPay is a fully independent company that is committed to delivering loans with no extra contractor 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.

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.

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.