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Financing Options

Flexible Financing Options Through GreenSky®

Investing in your home has never been easier. Whether you want to pay no interest during a promotional period or prefer the consistency of a fixed monthly payment, GreenSky® offers financing solutions designed to fit a variety of budgets.

Option 1: No Interest if Paid in Full Within 15 Months* (Most Popular)

Take advantage of a promotional financing plan that lets you complete your project today while avoiding interest when the promotional balance is paid in full within 15 months.

  • 0% Interest when paid in full within the 15 month promotional period*
  • Affordable required monthly payments
  • No penalty for paying your balance off early
  • Perfect for homeowners planning to pay off their project quickly

Important: Monthly payments are required throughout the promotional period. If the promotional balance is not paid in full before the 15 month promotional period expires, any remaining balance will be repaid according to the standard terms of your loan agreement.

Option 2: Fixed Rate Financing

Looking for predictable monthly payments? Our fixed rate financing program provides consistent payments over the life of your loan, making budgeting simple and stress free.

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Our team is happy to answer your financing questions and help you find the GreenSky financing option that best fits your needs.

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  • Fixed 10.99% APR
  • 84 month repayment term
  • Consistent monthly payments
  • No surprises from changing interest rates
  • No prepayment penalty when applicable

Why Finance Your Project With GreenSky®?

GreenSky makes financing fast, convenient, and straightforward so you can move forward with your project without unnecessary delays.

Benefits include:

  • Fast online application
  • Credit decisions in minutes for many applicants
  • Flexible financing options
  • Competitive financing programs
  • No prepayment penalty on most plans
  • Secure application process
  • Convenient monthly payments
  • Trusted financing used by homeowners nationwide

Whether you’re planning a small upgrade or a major home improvement project, financing allows you to get started now while choosing the payment option that works best for your budget.

Frequently Asked Questions

Most GreenSky financing programs allow you to pay your loan off early without a prepayment penalty. Please refer to your individual loan agreement for complete details.

Many applicants receive a credit decision within just a few minutes after submitting their application.

Yes. Monthly payments are required for both the promotional financing program and the fixed rate financing program.

Absolutely. Paying your loan off early is encouraged. If you choose the 15 month promotional financing option, paying the promotional balance in full before the promotional period expires allows you to avoid interest charges.

If you plan to pay your balance off within 15 months, the promotional financing program may allow you to avoid paying interest altogether. If you prefer fixed monthly payments over a longer period, the fixed rate financing option may be the better choice.

Financing Disclosure

Subject to credit approval.

Financing is offered through the GreenSky® Consumer Loan Program by participating federally insured financial institutions.

Promotional Financing (Plan 4158)

  • No interest if the promotional balance is paid in full within 15 months.*
  • Monthly payments are required.
  • If the promotional balance is not paid in full before the promotional period expires, any remaining balance will be repaid according to the terms of your loan agreement.

Fixed Rate Financing (Plan 2720)

  • Fixed 10.99% APR
  • 84 month loan term

Loan approval, annual percentage rate (APR), and financing terms are subject to credit approval and may vary based on creditworthiness. Please review your loan agreement for complete financing terms and conditions.