Four trusted lenders with same-day approvals, so your kitchen, bath, roof, or full remodel doesn't have to wait. Run the numbers below, then apply in minutes.
Estimate a monthly payment — no sign-up, no credit pull.
For illustration only. Actual APR, term, and monthly payment vary by lender, credit history, loan amount, and term. All financing is Upon Approved Credit (UAC). Not an offer or commitment to lend.
Four hand-picked lenders, terms up to 15 years, and same-day approvals — compare your options, run the numbers, and apply in minutes.
Same-day decisionsMost approvals come back within 24 hours — many within minutes. Get started today, break ground next week.
Affordable monthly paymentsStretch a $50K kitchen into manageable monthly payments. Terms up to 15 years, no prepayment penalties.
Vetted, name-brand lendersFour established, regulated lenders — backed by FDIC-insured banks or national institutional partners.
The same finished project, reached two very different ways.
Wait months — or years — while you save up the full amount.
Drain the savings cushion you keep for emergencies.
Shrink the project scope to whatever cash covers today.
Watch material and labor costs rise while you wait.
Each lender brings something different to the table. Here's the full picture on all four.
Most PopularEasy online account management with the flexibility to pay off your loan whenever you like — no penalty, no hassle.
The biggest loans we offer with terms built for major projects — and no origination or closing costs to eat into your budget.
Service Finance Company (SFC) offers home-improvement financing up to $100,000 Upon Approved Credit — flexible terms, low monthly payments, no prepayment penalties, and fast approvals.
One of the nation's premier consumer finance companies since 1932 — today the largest U.S. provider of private-label credit cards by purchase volume.
Important disclosures. GVD Renovations, Inc. ("GVD") is a licensed home improvement contractor (California Contractors State License Board License #989637), not a lender. All financing shown on this page is offered by independent, third-party lenders and is Upon Approved Credit (UAC). GVD does not originate loans, make credit decisions, or guarantee approval. Loan amounts, terms, annual percentage rates (APR), monthly payments, fees, and eligibility criteria are determined solely by the individual lender and depend on the applicant's creditworthiness, income, debt-to-income ratio, and other factors. Not all applicants will qualify; the best rates and terms shown may not be available to every applicant. The lenders presented operate under their own state and federal licenses, including California Financing Law licensure where applicable. Submitting an application does not guarantee a specific rate, term, monthly payment, or approval. Estimates produced by the loan calculator on this page are for illustration only and are not an offer or commitment to lend. Promotional financing, deferred-interest, and 0% APR offers are subject to additional terms and credit approval; see the applicable lender's disclosures before you apply.
¹ Synchrony Bank disclosures. Subject to credit approval. Minimum monthly payments required. See store for details. For all promotions: Qualifying purchase must be made with your Home Design credit card issued by Synchrony Bank and a $29 account activation fee will apply and be charged at the time first purchase posts to account. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.
No paperwork marathon, no waiting rooms — pick a lender, apply online, and we take it from there.
Use the calculator or compare lenders above. Click apply — most applications take under 10 minutes.
Most decisions come back within 24 hours, many within minutes. Sign your documents electronically.
You make monthly payments to your lender. We handle the rest.
Kitchens, baths, and whole homes we've recently designed and built — the kind of project our financing can help you start.
Most lenders run a soft pull for a pre-qualification, which doesn't affect your credit score. A hard pull happens only when you accept a final loan offer. Each lender's disclosure will spell this out before you submit.
Most applications get a decision within 24 hours — many come back within minutes. Larger loan amounts sometimes require a few extra documents from the lender before final approval.
Yes — all four lenders we work with allow you to pay off your loan early with no prepayment penalty. Pay down principal whenever you want.
Up to $100,000 through Medallion Bank or Service Finance Company. Watercress offers loans up to $75,000 with terms up to 15 years. Synchrony issues a revolving credit line, so your limit depends on your credit profile.
No. These are unsecured home-improvement loans — your house isn't pledged as collateral, and there's no lien placed on the property. Synchrony is a revolving credit account, also unsecured.
Absolutely. The $1,500 off kitchen / bath promotion and any seasonal incentives apply on top of whatever financing option you choose.
Call us at (866) 483-2556. For combined-scope remodels we can structure financing across multiple draws or pair financing with a home-equity option through your bank.
