Financing your Home Improvement Project

Quick & Easy Approvals for Fixed, Low Interest Financing with HERO. Or Same-as-Cash and Fixed traditional loans with HEARTH & BENJI. Read about all our programs below.

california drought Same-as-Cash, Zero Interest available in 6 or 12 months.

california drought Fixed monthly payments available in 5, 7, 10 or 12 years.

Saving cash can take years, but personal loans release funding fast. These loans often have lower rates than credit cards.

Our short, secure form takes 60 seconds. It’s free and won’t affect your credit score.

Compare personalized rates from multiple lending partners to make sure you’re getting a great rate.

Personal loans release funding as soon as 24 hours after you apply. No long application process or hefty appraisal fees.

Your remodel isn’t over when your bank says no. Personal loans have fixed rates and don’t require any home equity.

Don’t wait on your dream home. Personal loans transfer funds into your bank account as soon as the next day.

Hearth 310x310

california drought Reduced 9.99% APR and fixed monthly payments available in 5, 7, 10 or 12 years.

Cash may not be your best option.
Funds to pay for home improvement projects may come from your savings, tax rebates, bonuses, or some other source. But that trend is changing. Savvy homeowners are realizing that unsecured loans are easier to get, are faster to process, and reduce exposure to financial risk.

Here are some of the reasons BENJI’s unsecured home improvement loans make sense:

No waiting. Get the entire project you want completed now the way you want it, instead of waiting to save up the cash.

Flexibility. Styles, prices, and models change frequently. Avoid product and other changes by completing your entire project now instead of in stages.

Unbeatable payment options. More ways to pay for your home improvement project. Ask your ELITE Specialist about all your choices.

Financial flexibility. If your circumstances change, you may need cash reserves as a back-up plan for life’s necessities.

Low, fixed interest rates. These rates are easily available to anyone with good credit. Your rates never change for the life of the loan, even if you are late with a payment.

Unsecured. You don't have to put up your house as collateral.

Keeps your home equity intact. Reducing home equity takes away future options.

No headaches. After all your hard work and planning, you’ve earned a quick, hassle-free loan experience, and you get a response within minutes.

The HERO Program is a government-sponsored program that provides homeowners a unique opportunity to pay for home energy improvements through low fixed-interest property tax financing. Benefits include 5 – 20 year terms, tax deduction benefits, transferability when the property is sold and consumer protections.

HERO is the #1 energy efficiency financing program in the United States. HERO partners with local governments to make energy efficient, water efficient, and renewable energy products more affordable for homeowners..

HERO is unique in that it provides financing for approved energy efficient, water efficient, and renewable energy products. HERO finances 100% of the cost to purchase and install eligible products. HERO offers low-fixed interest rates, flexible payment terms including 5/10/15/20 years for most products, and repayments are made through your property taxes. Additionally, if the property is sold before the HERO Financing is paid in full, the remaining payments can be passed on to a new property owner..

HERO Financing is available to commercial and residential property owners in many cities and counties across the State of California.

HERO Financing is a simple 4 step process:

a. Apply - Find out how much your home is approved for.
b. Select - Choose the eligible products and select the contractor for your job.
c. Sign - Sign your financing documents.
d. Complete – Finish the installation.

california drought Tax deductibility
california drought Transferability if property is sold
california drought No credit score requirements
california drought No income requirements
california drought Consumer protections
california drought Zero Down
california drought Available in 5, 10, 15, or 20 year terms as a line item in your property tax bill

So what are you waiting for? Book your FREE, 30-minute, no-hassle design consultation and quote. We promise, you won't be dissappointed.

The results of this loan payment calculator are for comparison purposes only. They will be a close approximation of actual loan repayments if available at the terms entered, from a financial institution such as HERO and BENJI. This is being provided for you to get an idea of what your monthly payments would look like with Elite. To use, enter values for the Loan Amount, Number of Months for Loan, and the Interest Rate, and click the Calculate button.

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The calculator tool and estimates offered are for educational purposes only. Actual financing terms, rates and conditions may vary

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