Financing

Through Capitol One, we offer two financing options:

• 90 days same as cash
• Home improvement line of credit

90 days same as cash

At no additional cost to you, use 90 days same as cash when you want to defer the payment of your project for 90 days. At the end of the 90 days you will pay in full the project cost with no additional cost or additional interest.

Home improvement line of credit

Use our unsecured home improvement line of credit if you don't want to use a credit card. This is an installment loan with fixed interest rate and a defined time term. Applying is fast, easy and typically the loan is processed and approved within 24 hours, even during weekends.

Here is how the home improvement line of credit works:

1. Choose your loan amount. $9,000 to $25,000
2. Fix your APR. Upon approval, the APR available to you will be determined by the term for which you apply, your credit standing and other factors determined by Capitol One.
3. Choose your loan term. 84 to 120 months
4. Your monthly payment will be determined by the loan term, amount, and APR.

There are no extra or hidden costs. Appying is free and there are no closing costs or prepayment fees.

Get started today! Call in or fax your signed application for an instant loan approval decision.

Financing FAQs

What will my payment be?

Estimated payments are listed within the design tool for your selected combo.

Are there any additional costs or fees?

No. There are no application or closing fees and no prepayment penalties.

What if the cost of my project changes?

Simple. Call Capitol One and a customer service agent will modify your loan amount.

Is my loan a credit card?

No. Your new home improvement loan is an installment loan, with fixed monthly payments paid back over a defined period of time.

What term lengths are available?

84 to 120 months terms are available for loans ranging from $9,000 to $25,000.