Home Improvement Financing Options

— Built around your budget

Financing that works in your favor.

With approved credit, you can choose a plan that fits your budget and take the financial stress out of your remodel.

Your free quote stays good for 12 months.

Low-interest options

Competitive plans designed to keep your project affordable.
No prepayment penalties

Pay your balance off sooner and save, with no added fees for doing so.
Plans for many situations

Several lenders and plan types mean more ways to find a fit.

— Affordable, flexible financing

Monthly payments as low as

$149/mo*

*with approved credit

Financing details & disclosures

Financing is available to qualified borrowers on approved credit for a standard installment loan with an Annual Percentage Rate (APR) of 7.95% for a 180-month term, with an estimated monthly payment of 0.9528% of your purchase amount. For example, for $15,600 financed, the payment will be 180 payments of $149 paid monthly. Consumers will receive a monthly statement. Consumers may prepay their account at any time without penalty. Financing is subject to credit requirements and satisfactory completion of finance documents. Any finance terms advertised are estimates only. Normal late charges apply. See your Truth in Lending Disclosures for more information. Call 888-697-4033 for financing costs and terms. Offer subject to change, other restrictions may apply. Monthly Payment may vary depending on products selected.

— How financing works

Projects are approved and scheduled in a single visit.

From a free in-home consultation to your approval decision and installation date, financing with West Shore Home is made to be clear, flexible, and pressure-free.

Step 01 — Schedule

Book a free in-home visit.

Choose a time online or over the phone. A design consultant comes to you, so there’s no showroom trip to plan.
Step 02 — Review options

See your price and your plans.

Get a detailed, no-obligation quote and walk through flexible financing options matched to your budget and your project.
Step 03 — Approved

Get approved and choose your date.

Apply and get your approval decision right at the consultation, then choose your installation date on the same visit in most cases. No waiting to find out where you stand.

Looking for current offers?

Promotions change throughout the year, see what’s available right now.

Get My Free Quote See Current Offers

Choose the plan that fits you.

Ask a design consultant which option is the best fit for your budget and project. All plans are subject to approved credit.

0% deferred-interest plans

With approved credit, qualified buyers spread the cost into equal monthly installments over an extended promotional period and pay no interest when the balance is paid within the plan terms. It's our most popular way to keep a larger remodel comfortable month to month.

Low monthly payments

Prefer steady, lower payments over a longer term? These plans stretch the cost across an extended period at a competitive rate, with no prepayment penalty, so you can always pay the balance down faster and save on interest.

Deferred payment plans

Not ready to start paying right away? Qualified buyers can defer payments for up to 12 months, giving you time to finish the project and settle in before the first payment is due. Your design consultant can confirm what you qualify for.

VA loan support

We're well-versed in the VA loan process and proud to serve veterans and active-duty military. We'll walk you through eligibility and paperwork, and take the confusion out of putting your benefit toward your project.

Homeowner relaxing beside a modern walk-in shower with charcoal stone-look walls. — Real homeowners like you need financing built around the life you already live.

Not sure which fits? We'll match you to the right plan in person. Ask about current rates and terms on our offers page.

— Less-than-perfect credit?

You still have options.

Turned away by another company? Don't count yourself out. We work with a range of credit situations to find a plan that fits your budget and there's often more than one way to get there. *no guarantee of credit eligibility

Down payment

You may not need much down

Down payment requirements depend on the plan and your approval. Your consultant will walk you through exactly what applies to your situation.
Lender network

More than one lender, more than one path

Because we work with several trusted lenders, there's more than one way to find a plan that works for your budget.
No pressure

A straightforward conversation

We'll review your options together during your free in-home consultation, with no obligation to move forward.

— Trusted by homeowners

Your home is important to us. So is your trust.

Company reviews as of 6/02/2026.

A+ Better Business Bureau rating
68,000+ 5-star reviews
4.8★ Google rating · 48,000+ reviews
1,000+ Super Service Award wins

— Financing FAQ

Common questions.

Don't see your question? Call (717) 697-4033
See current offers ›

What is a "deferred-interest" loan? Do I have a 0% interest loan?

A deferred-interest plan lets qualified buyers pay in monthly installments over a set promotional period. Pay the full balance within that window and you won't pay any interest, so it works like a 0% plan when it's paid off in time. If a balance remains after the promotional period, interest may apply based on the plan terms. Your design consultant will walk you through the exact terms before you decide.

What if my credit is less than perfect? Do I need a lot down to start?

Not necessarily. We work with several trusted lenders, so there's often more than one way to find a plan that fits your situation. Down-payment requirements depend on the plan and your approval and many qualified buyers start with little or nothing down ($0). Your consultant will review what applies to you during your free in-home consultation, with no obligation.

What if I need to wait a few months before I start payments?

Some plans let qualified buyers defer payments for up to 12 months, so you have time to finish the project and settle in before the first payment is due. Ask your design consultant which deferred-payment options you qualify for.

What if I've been turned away by other home improvement companies?

Don't count yourself out. Because we work with a range of credit situations and multiple lenders, there's often a path forward even if another company said no. The best next step is a free consultation where we can review your options together.

When will my payments start?

It depends on the plan you choose. Standard plans typically begin after your project is complete, while deferred-payment plans can push your first payment out for up to 12 months. Your consultant will confirm the start date and terms for your specific plan.