A roof does not wait for a good month
Storms do not check your savings account first. Home improvement financing lets you fix the problem now and pay for it over time.
Most homeowners who use home improvement financing are not short on money. They would rather keep their savings where it is and spread a roof or a set of windows across manageable payments, especially when the work protects the house either way.
We work with three lending partners so you have real choices rather than one take-it-or-leave-it offer. You apply directly with the lender, not through us, and the terms come from them. We do not mark anything up, and we are not paid more if you pick one over another.
New to this? Our guide on financing a roof repair explains how home improvement financing works in plain language. If the project itself is what you are weighing, start with roofing services.
Ohio homeowners use home improvement financing for the work that cannot wait: storm damage, a failed roof, drafty windows, siding that has gone past repair. The house gets protected on your timeline instead of your bank balance.
Three options, not one offer
You apply directly with the lender. They set the terms, and you pick what fits.
Foundation Finance
Built specifically for home improvement projects, with promotional options and approvals across a wide range of credit profiles. Prequalify with a soft credit check.
Prequalify with Foundation
LightStream
Unsecured loans with no fees and no home equity required, for homeowners with strong credit. Funding can arrive as soon as the same day.
Apply with LightStream
LendingPoint
Personal loans with fast decisions, aimed at homeowners in the near-prime range. A practical option when equity or credit rules out the others.
Apply with LendingPointThrush & Son® is not a lender and does not make credit decisions. All rates, terms and approvals come from the lender you choose. We are not paid differently based on which partner you use.
Four steps, and no surprises
Most homeowners get a decision in minutes. Nothing is signed until you have seen the terms.
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Prequalify
A soft credit inquiry shows what you qualify for without touching your credit score.
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Compare your options
The lender presents the terms. You choose the one that fits your budget, or walk away.
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Sign and schedule
Documents are signed with the lender, and we get your project on the calendar.
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Work first, funding after
The lender releases funds once the work is complete and you have verified it is done right.
Run the numbers before you call anyone
Put in an amount and a term to see roughly what a month looks like. These are estimates only, and your lender gives you exact figures once your application is reviewed.
Run the numbers before you call anyone
Move the sliders to see roughly what a month looks like. Set the rate to zero to model a promotional same-as-cash plan.
Estimates only, for planning purposes. Actual payments depend on the lender, your approved rate, your credit profile and the final project scope. Thrush & Son® is not a lender and does not set rates or terms.
Home improvement financing questions, answered straight
The things homeowners ask before they fill anything out.
Will checking my options hurt my credit score?
Prequalifying through Foundation Finance uses a soft credit inquiry, which does not affect your credit score. You see what you qualify for before anything is reported.
A hard inquiry only happens if you decide to move forward with a full application. The lender will tell you when that point is reached.
What kinds of home improvement financing are out there?
Our partners offer unsecured personal loans, meaning no collateral and no home equity required. Beyond that, homeowners commonly use:
- Home equity loans: a fixed-rate lump sum against your equity, for larger projects
- HELOCs: a revolving line you draw from as work progresses
- Cash-out refinancing: replacing your mortgage with a larger one
- Renovation mortgage programs: such as FHA 203(k), bundling purchase and improvements
Which one makes sense depends on your equity, your rate on the existing mortgage, and how long you plan to stay. A lender or your bank can walk you through it.
What credit score do I need for home improvement financing?
It varies by lender and program. Higher scores generally mean better rates, longer terms and larger approval amounts, but our three partners cover a wide range between them, which is the reason we work with more than one.
Prequalifying is the only way to know where you actually stand, and it costs you nothing to find out.
Is the interest tax-deductible?
Interest on an unsecured personal loan generally is not. Interest on a home equity loan or HELOC may qualify if the funds substantially improve the home and you meet current IRS rules.
We are not tax advisors. Check the current guidance at IRS.gov or ask your accountant about your situation.
When does the lender actually pay for the work?
After it is finished. The lender releases funds once the project is complete and you have confirmed the work was done. You are not paying for a roof that does not exist yet.
What do I need to have ready to apply?
Most lenders ask for proof of income such as pay stubs, W-2s or tax returns, a valid photo ID, and the estimate for your project. We provide the estimate.
Before you take on home improvement financing, the Consumer Financial Protection Bureau has neutral guidance on comparing loan offers.
Get the estimate first
Financing is easier to think about when you know the actual number. We walk your home, measure what is there, and give you a written price. Then you decide how to pay for it.
