Flexible Payment Options
Financing Your Dream Home
From building your custom home to additions, remodels, and repairs, we bring craftsmanship, integrity, and faith to every project we touch.
Powered by Synchrony
Same-As-Cash Financing
Home On partners with Synchrony to offer 0% interest financing on your renovation project. Apply in minutes, get approved fast, and pay over time with no interest.
6 months
promotional period
6-Month Same-As-Cash
No interest if paid in full within 6 months. Minimum 2.5% monthly payment required.
- 0% interest if paid in full
- No prepayment penalties
- Quick online approval
- Minimum 2.5% monthly payment
24 months
promotional period
24-Month Same-As-Cash
No interest if paid in full within 24 months. Great for mid-size renovations with flexible payoff.
- 0% interest if paid in full
- 24-month promotional period
- No prepayment penalties
- Minimum 2.5% monthly payment
18 months
promotional period
18-Month Same-As-Cash
No interest if paid in full within 18 months. The lowest-cost financing we offer for projects you can pay down in a year and a half.
- 0% interest if paid in full
- 18-month promotional period
- No prepayment penalties
- Minimum 2.5% monthly payment
Plan Your Budget
Payment Estimator
Pay it off inside the promotional period
$1,042/mo
24 equal payments at 0% interest. This is the payment we recommend.
Synchrony's required minimum
$625/mo
Paying only the minimum will not clear the balance in 24 months, and any balance left at the end is charged interest back to the purchase date. If the larger payment doesn't fit your budget, a 48-, 60-, or 72-month plan gives you a fixed payment with no deferred interest.
Estimates on the amount entered · If a plan's financing fee applies, your proposal shows the exact financed total and payment · Subject to credit approval
Need More Time?
Extended Term Options
For larger projects, we offer extended 0% APR terms up to 72 months. Lower monthly payments make even major renovations affordable.
48 months
48-Month 0% APR
True 0% interest for 4 years. Lower monthly payments for larger projects.
60 months
60-Month 0% APR
True 0% interest for 5 years. Great for major renovations and additions.
72 months
72-Month 0% APR
True 0% interest for 6 years. Our longest term for the largest projects.
Simple Process
How to Apply
Get Your Estimate
Tell us about your project and receive a detailed proposal with pricing.
Apply with Synchrony
Apply online in minutes through our secure Synchrony application portal.
Get Approved
Most decisions come within minutes. Choose the term that fits your budget.
Start Your Project
Once approved, we schedule your project and get to work bringing your vision to life.
Additional Options
Other Financing Resources
While we offer Synchrony same-as-cash financing directly, here are other financing options you may want to explore through your own bank or lender.
Home Equity Line of Credit (HELOC)
Use your home's equity for flexible borrowing with competitive rates. Check with your bank or credit union for current HELOC options.
Personal Home Improvement Loan
Unsecured loans available through most banks and online lenders. No collateral required, with fixed rates and terms up to 12 years.
Cash-Out Refinance
Refinance your mortgage to pull out equity for renovations. Speak with your mortgage lender about current rates and eligibility.
All financing subject to credit approval. Same-as-cash plans require minimum monthly payments. Deferred interest plans: interest is charged from the purchase date if the balance is not paid in full within the promotional period. Consult your tax advisor regarding deductibility of interest.
Ready to Get Started?
Apply for financing in minutes or get a free estimate for your project.