Affordable Home Improvement Financing Options
Improving your home shouldn’t be delayed because of cost — and with Thrush & Son, it doesn’t have to be. We offer flexible home improvement financing options that make upgrading your home simple, transparent, and stress-free. Thrush & Son makes affordable home improvement financing in Ohio simple, fast, and stress-free for every homeowner. Whether you’re replacing storm-damaged shingles, upgrading to energy-efficient windows, refreshing old siding, or investing in curb appeal, our financing solutions are designed to fit comfortably within your budget.
The process is straightforward: apply online in minutes, receive a quick decision, and choose the plan that aligns with your project goals. No complicated paperwork or confusing banking terms — just a smooth, homeowner-friendly path that keeps your renovation or repair moving forward. Long-term, low-interest options help spread out the cost of major improvements, while short-term plans keep smaller fixes easy and affordable.
If you’re new to financing, you’re not alone. Many Ohio homeowners use financing to protect their homes sooner instead of waiting. For a clear breakdown of how financing works, visit our homeowner guide: Financing a Roof Repair.
Homeowners regularly finance essential upgrades such as storm restoration, roofing, energy-efficient windows, doors, and vinyl siding replacements. If you’re planning a roofing project, explore our full process here: Roofing Services.
Bottom line: with Thrush & Son, financing is straightforward, flexible, and designed to empower you — so you can upgrade your home confidently and without financial stress.
Apply Online or By Phone
Getting started is simple. Apply for home improvement financing online in just minutes or visit a Thrush & Son location if you prefer in-person help. Our team guides you through the process, answers questions, and ensures you’re selecting the option that fits your project and budget.
Receive a Decision in Minutes
No long waits, no uncertainty. Our financing partners issue quick approvals so you can move forward with scheduling right away. Most homeowners receive an instant decision, giving you clarity and confidence to start your roofing, siding, window, or exterior remodeling project without delay.
Easily Make Payments Online
Managing your plan is effortless with secure online payments, autopay, and clear monthly statements. Whether you’re upgrading your home’s efficiency or repairing storm damage, financing offers a predictable, budget-friendly way to invest in long-term home value.
Understanding your estimated monthly payment helps you plan your project with confidence. The calculators below provide a useful starting point by showing how loan amounts, terms, and interest rates translate into monthly payments for different home improvement financing options.
While these values are estimates, your lender will give exact figures once your application is reviewed and approved. Using financing allows you to move forward with essential updates — such as roofing, windows, doors, or storm restoration — while maintaining a budget that works comfortably for your household.
Residential Project Financing for up to 12 Months SAC
Traditional Loan Starting at 5 Year Between 7.99% - 14.99%
*Understanding your estimated monthly payment is an important part of planning your project. These calculators help give you a realistic picture of what different loan amounts, terms, and interest rates may look like when financing your home improvements. While the numbers are estimates, they provide a helpful starting point for comparing long-term and short-term financing options. Once your application is submitted, your lender will provide exact payment details based on your approved rate, credit profile, and project scope.
Home improvement financing gives Ohio homeowners more flexibility, more security, and more control. Instead of delaying essential updates — such as replacing storm-damaged roofing, upgrading energy-efficient windows, or improving your home’s exterior — financing allows you to move forward with the work while maintaining a comfortable monthly budget. Financing isn’t just a payment tool; it’s a strategic way to enhance your home’s value and protect one of your most important investments.
Common Questions About Home Improvement Financing
- Home Equity Loans: A fixed-rate, lump-sum loan secured by your home’s equity — ideal for large, one-time projects.
- Home Equity Lines of Credit (HELOCs): A revolving line of credit you draw from as needed, often used for projects completed in stages.
- Unsecured Personal Loans: No collateral required, with fixed terms and quick approvals — best for smaller to mid-sized projects.
- Cash-Out Refinancing: Replace your mortgage with a larger one and use the difference in cash for renovations.
- Renovation-Focused Mortgage Programs: Government-backed and conventional options (like FHA 203(k) or HomeStyle loans) that bundle purchase and improvements into one loan.
- Paying Cash: Avoids interest and new debt entirely, but may not be ideal for emergency repairs or large-scale updates.
- Secured loans (like home equity): Often allow borrowing up to about 80% of your home’s value, minus your remaining mortgage balance.
- Unsecured personal loans: Commonly cap between $50,000–$100,000, depending on the lender and your credit profile.
- Recent pay stubs, W-2s, or tax returns (proof of income)
- Bank or investment statements (assets and residency verification)
- A valid photo ID (driver’s license or passport)
- Contractor estimates, specs, or project plans (often required for renovation-specific loans)
