Install Now, Pay Later

Finance your Home Improvement Project

Quick & Easy Approvals for Same-as-Cash and Fixed traditional loans with Finance of America & Hearth. Read about all our programs below.

  • Hearth
  • Finance of America


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

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


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

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

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 Finance of America's BENJI 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.

Book your FREE 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. 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.

Loan Amount
Loan Length (Months)
Avg Interest Rate

Monthly Payment
Enter only numeric values (no commas), using decimal points where needed. Non-numeric values will cause errors.
The calculator tool and estimates offered are for educational purposes only. Actual financing terms, rates and conditions may vary