Top Rated
71+ reviews
J L.: Joseph and his crew did a fantastic job from start to finish. Our ADU unit was completed beautifully, including two bathrooms, a kitchen, and a complete roof replacement. The craftsmanship is excellent, the team was professional and respectful, and the worksite stayed clean. We're extremely happy with the results and highly recommend them!
Finance Your Project With Confidence.
Three trusted lenders. One simple goal — getting your home improvement project funded with the best rates, lowest payments, and promotional offers available today.
Estimate Your Monthly Payment
Enter your project amount and pick a financing option to see your estimated monthly payment.
Estimated Monthly Payment
$507/mo
60 months · 7.99% APR · $25,000 financed
Get Your Personalized Quote
Enter your info and we'll help you compare offers from all our lenders to find the lowest rate.
Choose Your Lender
We've partnered with three of the most trusted names in home improvement lending. Compare promotions, benefits, and ideal use cases below — then apply with us and get same-day approval.
Chase Bank
Home Improvement Financing by Chase
Chase offers unsecured personal loans and credit cards designed specifically for home improvement projects. With competitive fixed rates and a fast online application, you can finance everything from a new roof to a full kitchen remodel — without touching your home's equity.
Special Promotions
- 0% intro APR for the first 12–18 months on select home improvement credit cards
- Fixed-rate personal loans from $2,000 to $100,000
- No appraisal or home equity required — unsecured financing
- Same-day pre-qualification with no impact to your credit score
Key Benefits
- Borrow up to $100,000 with no collateral needed
- Fixed monthly payments — you know exactly what you owe
- Funds available as fast as 1–2 business days after approval
- Use at any contractor — including Times Square Remodeling
- No prepayment penalties — pay off early and save on interest
Best For
Best for homeowners who want a fast, unsecured loan or a 0% intro APR credit card for projects under $100,000 — especially roofing, HVAC, windows, and kitchen/bath remodels.
Wells Fargo
Home Improvement Financing by Wells Fargo
Wells Fargo Home Improvement Financing offers both secured and unsecured loan options, including their popular home improvement credit card and personal loan lines. With a long history of lending, Wells Fargo provides flexible terms and a simple application process for projects large and small.
Special Promotions
- Special promotional APR periods on the Wells Fargo Home Projects credit card
- Personal loans from $3,000 to $100,000 with fixed rates
- No origination fees on select loan products
- Flexible repayment terms from 12 to 84 months
Key Benefits
- Choose between secured or unsecured financing options
- Fixed rates and predictable monthly payments
- Online application with quick approval decisions
- Dedicated project financing through the Home Projects card
- Trusted national lender with local branch support
Best For
Best for homeowners who want flexible repayment terms and the option of a dedicated home improvement credit line — great for staged projects where you pay contractors over time.
Foundation Finance
Home Improvement Financing by Foundation Finance
Foundation Finance Company (FFC) is a specialty lender focused entirely on home improvement contractors and their customers. Their dealer-direct financing model means your contractor — Times Square Remodeling — handles the application with you, so approval is fast and the funds go straight to your project.
Special Promotions
- 0% interest promotional plans (6, 12, 18, or 24 months) on qualifying projects
- Low fixed-rate standard plans with terms up to 144 months
- No money down — 100% project financing available
- Instant credit decisions — know your approval in seconds
Key Benefits
- Contractor-direct financing — we apply with you in person
- 0% promo APR periods — pay no interest if paid in full within the promo term
- Long-term fixed rates keep payments low and predictable
- No prepayment penalties — pay off anytime
- Funds are managed directly between lender and contractor
Best For
Best for homeowners who want contractor-direct financing with 0% promo APR options and long-term low payments — ideal for larger projects like whole-home renovations, ADUs, and full exterior remodels.
Smart Borrowing Guide
Before you sign anything, understand how home improvement financing works. These six steps will help you save money and avoid common pitfalls.
Know Your Budget
Start by understanding the full scope of your project and the total cost. Your contractor should provide a detailed written estimate before you apply for any financing.
Compare APR, Not Just Monthly Payment
A lower monthly payment often means a longer term and more total interest. Always compare the Annual Percentage Rate (APR) — it includes interest plus fees — across all offers.
Check for Promotional Periods
0% intro APR offers can save you hundreds or thousands — but only if you pay the full balance before the promo ends. Read the fine print on what happens after the promotional period.
Ask About Repayment Terms
Shorter terms mean higher monthly payments but less total interest. Longer terms mean lower payments but more interest over the life of the loan. Pick what fits your budget.
Watch for Fees
Look out for origination fees, application fees, and prepayment penalties. Foundation Finance and Chase have no prepayment penalties — meaning you can pay off early and save.
Don't Borrow More Than You Need
It's tempting to finance extra for upgrades, but every dollar borrowed accrues interest. Finance the project, not the upgrades you can live without.
Renew Financial PACE Program
In addition to Chase, Wells Fargo, and Foundation Finance, we also offer PACE financing through Renew Financial — 100% financing with no money down, repaid through your property taxes.
Financing FAQ
Do I need to own my home to qualify for home improvement financing?
For unsecured personal loans and credit cards (Chase, Wells Fargo), homeownership is not always required — approval is based on credit and income. For PACE financing and secured loans, you must own the property.
Will applying hurt my credit score?
Pre-qualification with Chase and Wells Fargo uses a soft credit pull that does not impact your score. A formal application results in a hard inquiry, which may temporarily lower your score by a few points.
What's the difference between 0% APR and a low fixed rate?
0% APR means you pay no interest during a promotional period — but only if the balance is paid in full before the promo ends. A low fixed rate means you pay interest from day one, but at a predictable, locked-in rate for the full term.
Which lender is best for my project?
For projects under $50,000 with a quick payoff plan, a 0% intro APR credit card from Chase or Wells Fargo can save the most. For larger projects or longer repayment, Foundation Finance's long-term fixed rates keep monthly payments low. We'll help you compare offers side by side.
Can I use financing for any type of home improvement?
Yes — all three lenders cover roofing, HVAC, windows, insulation, kitchen and bath remodels, ADUs, concrete, painting, and whole-home renovations. Some lenders have restrictions on luxury or non-essential upgrades.
Ready To Finance Your Project?
Call us today and we'll help you compare offers from all three lenders — plus Renew Financial PACE — to find the best rate and the lowest monthly payment for your project.