Government home improvement and repair assistance programs only stretch so far. You may find limits on the size and scope of specific grants, or you may not qualify because your income is too high, or the project does not align with federal priorities, such as saving energy.
Home improvement financing and loan programs can close these gaps. However, many families have poor borrowing credentials or little equity to pledge as collateral.
Sometimes, creative approaches are the best way to solve problems. Learn alternative ways to raise money many people never consider.
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Above Ground Swimming Pool Financing No Credit Check
Financing an above-ground swimming pool becomes challenging when you have bad credit or no history on your consumer report.
Fortunately, you have three viable options to help you cool off during the hot summer. Personal loans, buy no pay later, and rent-to-own arrangements have unique pros and cons you should understand.
Home Improvement Loans with Bad Credit & No Equity
Taking out a home improvement loan should be your last resort when you have a bad credit history and no equity in the property.
First, most lenders will decline your application. However, you can turn financial hardship into an advantage by tapping into free resources.
Financing Home Appliances No Credit Check: Pay Monthly
A personal loan can be the ideal way to finance improvements to the appliances in your home: refrigerator, stove, dishwasher, washer, dryer, etc.
Many people visit the retailer first and think about setting up monthly payments later, only to paint themselves into a corner. Why limit yourself to the one lender chosen by your appliance company?
Residential HVAC Equipment Financing: No Credit Check
Homeowners have unique considerations to weigh when deciding how to finance HVAC systems.
First, permanent equipment hooked into your ductwork is more expensive to install and remove than portable units.
Then, energy-efficient furnaces, air conditioners, and water heaters save money on gas and electricity over time: making monthly payments far more affordable.
Flooring Financing with No Credit Check: Pay Monthly
When financing hardwood flooring and carpeting projects, homeowners have two main choices.
Tapping into funds from a lender upfront frees your to choose the contractor and supplier with the best price and service.
Relying on financing from the flooring company reduces choices, and opend the door for promotional rates – with a catch.