Financing options for your project
A renovation shouldn't have to wait until the full amount is sitting in savings. Here's a plain overview of the ways homeowners fund projects with us — and how to figure out which one fits.
Common ways homeowners fund a renovation
Availability, terms and approval are set by the lender you choose — we can point you in the right direction, but we don't make lending decisions or set rates.
Home improvement loans
Promotional-period plans
Home equity options
Insurance proceeds
Estimate your monthly payment
Move the sliders to see what a project might look like as a monthly payment. These figures are illustrative — your actual rate, term and approval come from the lender, not from STRYDE Home.
60 payments · about $19,118 total at 9.99% APR.
For illustration only. Not an offer of credit, a quote, or a guarantee of approval. Rates, terms and payments vary by lender, credit profile and project scope. All financing is provided by third-party lenders on approved credit.
The application process
Four steps, and it usually runs alongside your project planning rather than delaying it.
- 01
Get your project price
Start with a free consultation and a written proposal so you know the exact amount you need — not an estimate you'll have to revise later.
- 02
Choose a path
Tell us if you'd like an introduction to a lending partner, or use your own bank, credit union or equity line. Both are fine.
- 03
Apply and review terms
You apply directly with the lender and they disclose the full terms — rate, APR, term length, payment and any promotional conditions. Read them before accepting.
- 04
Schedule the work
Once funding is confirmed, we lock your start date and order materials. Nothing about the project scope or price changes because you financed it.
Financing FAQs
What rate and terms will I get?
That's determined by the lender, not by us — it depends on your credit profile, the loan amount, the term you choose and the products that lender currently offers. We can't quote or promise a rate, an APR or a monthly payment. What we can do is give you an accurate project price so the amount you apply for is right the first time.
Does applying affect my credit?
Many lenders offer a prequalification step using a soft credit inquiry, which typically doesn't affect your score. Submitting a full application usually involves a hard inquiry, which can. The lender will disclose which type they're running before you proceed.
Do I have to finance through a lender you suggest?
No. You're free to use your own bank, credit union, home equity line, savings or a card — whatever works best for you. Financing is never a condition of us doing the work, and our project pricing is the same either way.
When in the process should I sort out financing?
At the proposal step. Once you have a written scope and a fixed price, you know exactly how much you need, and approval can move in parallel with material ordering so your start date holds.
Can I finance emergency restoration work?
Often yes, though most restoration costs run through an insurance claim. Deductibles, uncovered portions and upgrades are the amounts homeowners most commonly finance. Call us first — mitigation shouldn't wait on paperwork.
STRYDE Home is a home improvement contractor, not a lender, broker or financial advisor. We don't originate loans, approve applications, or set rates, terms or fees. Any financing is provided by third-party lenders, subject to their credit approval and published terms, and not all applicants will qualify. Review each lender's disclosures carefully before accepting an offer. Nothing on this page is an offer of credit or a guarantee of any specific rate, payment or term.
Get a firm price first
A free consultation and written proposal tell you exactly what to plan for. Financing is the easy part after that.