No Monthly Interest If Paid In Full Within 24 Months*
* Interest accrues but no monthly payments are due during the promotional period. If the loan is not paid in full during the promotional period, once the repayment term is entered, the accrued interest balance will be paid off first.
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Will I need to verify my income?In the credit approval process, you’ll be asked your individual “gross yearly income.” Please be as accurate as possible. If further clarification is required, you may be asked for “proof of income” through a W2 or a pay stub. (This verification only impacts a very small percentage of customers.)
Can I apply with a co-applicant?No co-applicants are accepted at this time, but someone else in the household can apply if the original applicant is denied. Applicants must be listed as owners of the property.
Once credit is approved, how long is it valid for?60 days. You must sign your loan agreement within 60 days of receiving approval.
When do payments begin?DEFERRED INTEREST, NO PAYMENTS LOAN After the promotional period ends*. * The promotional period timeline begins with the disbursement of funds is released to your contractor. This takes place upon completion of the first loan funding stage. This may occur upon countersignature of the loan agreement or a later date of your contractor’s choosing and your acknowledgement. Refer to your contractor for details.
How do I make payments?All of the loan information and payments will be made in your borrower portal.
If I pay off the loan early, do I still owe interest?REDUCED-RATE APR You can pay off the loan amount at any point, and you’ll only pay for interest that has already accrued. DEFERRED INTEREST, NO PAYMENTS LOAN If you pay off your loan before the promotional period end date, you don’t owe any interest. If you don’t pay off your loan prior to the promotional period end date, you are able to pay off the loan amount at any point, and you’ll only pay for interest that has already accrued.
Do prepayments go to principal or interest?REDUCED-RATE APR: Prepayments are first applied to interest that has accrued, and then applied to principal. DEFERRED INTEREST, NO PAYMENTS LOAN: During the promotional period, all payments are applied to principal. After the promotional period ends, prepayments are first applied to interest that has accrued, and then applied to principal.
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