Our home improvement loan programs are not credit score focused, so we often approve applications that would not qualify under traditional lender criteria. Instead, we utilize a more holistic approach, analyzing the applicant and their individual circumstances. If we determine that the applicant is likely to repay the loan, regardless of their current credit score, we will accept the applicant.
Our interest rates vary by state but typically range from 11.99% to 17.99%. To get the current rates for your state, please Contact Us, or call Jack Maschmeier, our senior account executive, at or 866.234.5010, ext. 5560.
The discount rate (sometimes called discount points) is the amount of the loan we retain to compensate for the additional risk we take in approving these home improvement loans. The discount rate can be influenced by a variety of factors. For our current discount rates, please Contact Us, or call Jack Maschmeier, our senior account executive, at or 866.234.5010, ext. 5560.
We can extend our remodeling loans up to 120-months. Additionally, there is no prepayment penalty so your customer can pay off their loan at any time without incurring a fee or surcharge.
Your funds will be wired to you the same day.
If you have a question that is not answered here, please contact us.
The EZ Loan User’s Guide provides helpful instructions for completing an application.