Financing

Roof replacement or repair – asphalt roof, tile roof, metal roof, slate roof

Kitchen and Bath remodel – cabinets, vanities, flooring, complete renovations

Purchase an energy-efficient HVAC system from any major manufacturer.

Brand new pool and replacement pools and spas, pool house, and more.

Interior renovation and remodeling for new rooms and additions for anything inside your home.

Upgrade and replace windows, doors, and exteriors from any window manufacturer.

Get a loan to remodel your kitchen or bath – countertops, cabinets, flooring, etc.

Upgrade your patio, deck, fence, or any exterior home improvement project.

Upgrade your driveway, patio, walkway, or any exterior renovation project.

Upgrade your floor with tile, hardwood, natural stone, porcelain, etc. including material and installation.

From repairs to the entire home rewiring inside and outside.

Install any siding project including vinyl, fiber cement, Hardie board, composite, wood, metal, brick, and stone siding.

Interior and exterior waterproofing and foundation repairs – French drains, sump pumps, and more.

Loans for whole home generators from Generac, Cummins, Briggs and Stratton, Kohler, and more.

Gutter replacement and gutter cover systems.

Replace your landscaping or install hardscaping for patios, walkways, and driveways.

Attic insulation or wall insulation for any energy efficiency project.

Renovate or remodel rooms in your home or build an addition.

Exterior and interior lighting including security and smart homes.

Interior and exterior painting and wall coverings.

Interior and exterior plumbing repair and replacement – septic tanks. water and sewer lines.

Sheds, barns, and structures affixed to the property.

Security and home automation include audio and video, smart home, automated blinds, thermostats, and more.

Sunrooms, patio enclosures, she-sheds, ADUs, and more.

Water filtration and water treatments.

The most common type of roof, an asphalt shingle roof, costs on average $8,000 for a full replacement making it an expensive home improvement, even for the cheapest of materials. With financing, homeowners can cover the entire upfront costs of a new roof, turning a roof replacement into low and affordable monthly payments. As an example – a $10,000 roof financed over 15 years would cost under $100 per month at 9%.

Yes, it does. In fact, most homeowners see between a 60-65% return on their investment after installing a new roof. And, due to the lengthy lifespans of roofing materials, you can be sure that investment will remain long after the project is completed.

A great financing partner can approve you for up to $100,000 in as little as 60 seconds. Working with a contractor who offers financing makes the process that much easier by offering applications directly through their website and removing the tedious process of coordinating with multiple parties before your project can even begin.

Yes! There are many benefits that come with financing a home improvement project like a roof replacement or roof repair. Working with a contractor who offers financing with instant approvals, low APRs and low monthly payments allows homeowners to complete the necessary renovations while still saving for future needs.

Additionally, a great loan provider will not charge prepayment penalties to those who can afford to pay their loan back sooner instead of waiting until the full term, giving you the benefit of financing without the downside of an unnecessary timetable.

PowerPay is a digital lending platform that exists to provide loans across several industries including home improvement, healthcare, recreational vehicles (RVs), solar energy, and even pet service financing. Our fully automated technology offers near-instant approvals on loans of up to $100,000, helping all consumers translate expensive projects, procedures, or treatments into low monthly fees that can be paid overtime.

Unlike other digital lending platforms, PowerPay is a fully independent company that is committed to delivering loans with no extra fees or added costs in order to offer the lowest monthly payment possible to our customers. After all, the more affordable the loan, the bigger the possibilities are to fulfill your needs.

No!  PowerPay and/or our lenders use what’s referred to as a “soft inquiry” or “soft pull”.  A soft inquiry is used to verify your credit for preapproval or offer.  Soft inquiries do not impact your credit scores.

Financing can be a great payment option when your dream home project, medical procedure, recreational vehicle, or pet service costs too much money to pay for all at once. Using PowerPay, you can translate that expensive lump sum cost into a low, affordable monthly payment. The result is the opportunity to stop worrying about costs and have the ability to advance your financial needs right away.

PowerPay is a fully independent company that is committed to delivering loans with no extra fees or added costs in order to offer the lowest monthly payment possible to our customers. After all, the more affordable the loan, the bigger the possibilities for you.

It’s easy. You can either work through your participating contractor, dealer, or medical provider to contact us directly. Follow our simple application process. If you pre-qualify, you’ll be shown the monthly cost of the loan and can complete the process.

You can apply for a PowerPay loan by going to our website and completing the online application. We will review your application and, if you are approved, we will send you an agreement to sign. Once you have signed the agreement, we will deposit the funds into your bank account.

Just fill out the simple online application and receive a decision in seconds. It’s that easy.

U.S. residents over the age of 18 (or 19 for Alabama or Nebraska residents) are eligible, provided we can verify your identity.

Yes. You can prepay anytime for all or part of your loan. There is never a penalty for paying early.

The application process is fast and easy. You’ll be asked to provide some basic information about yourself. If you qualify, you will receive an email with one or multiple loan options along with a loan limit that may even go beyond the cost of your project. You may opt to borrow more and add things like annual maintenance and monitoring to your loan.

Where applicable, there is a one-time member activation cost for each approved loan. For convenience, that cost can be rolled into the final loan balance. As a PowerPay member, you also get exclusive access to member benefits from our lender, including insurance, monitoring, utility, & entertainment partners. Your contractor, dealer, or medical professional will walk you through the details prior to signing. All of the documents are electronic so you can sign everything from your home or office without any paperwork.

Fill out our online application and receive instant approval via secure private email. Next, select the plan you want to choose with your contractor and then receive and sign our secure paperless closing documents.

Yes. PowerPay is a loan program that can provide you with the cash you need to cover unexpected expenses or urgent needs. The application process is simple and takes just minutes to complete. Depending on the loan you need, you can be approved for a loan of up to $100,000 in minutes. We will send the money directly to your service provider for funding.

No, we are not a bank. We are a digital lending platform designed to provide consumers with home improvement, healthcare, solar, RV and pet service-related loans to translate those large lump sum costs into affordable monthly payments.

It is very important to us that your personal information remains secure and encrypted. We install endpoint protection software and/or secure web gateways at all points in our online process. There is a data protection policy in place to help ensure that personal data is kept secure.

Making payments on your PowerPay loan is simple.  The first step is to sign your loan documents via electronic signature.  The next step is to sign the payment authorization certificate (PAC).  You will get this document from your contractor when the project is complete and you are satisfied with the work.  Once this is signed, you will receive an email from PowerPay letting you know when your first invoice will be due.  This is approximately 30 days after you sign the PAC.  During this process, you will receive your loan documents, welcome package, and payment instructions.

All payments can be made via a secure webpage at getpowerpay.com or you can download the “Get PowerPay” app from the Google Play or Apple App Store.  You can refer to this video to see how easy it is to set up automated payments.

If you have any questions about how to make a payment or questions about your invoice you can call (866) 615-4339. All billing-related emails will come from “clientservices@getpowerpay.com.”

Checks can be mailed to:

PowerPay, LLC

PO Box 62426

King of Prussia, PA 19406-0395

We work with our lender network to look at the credit risk of you as a borrower, and to give you a rate that fits your credit profile. Your financing options are presented to you in clear, simple terms. You are never obligated to accept them. Unlike many platforms that offer credit cards, PowerPay strives to offer lower-risk borrowers with lower rates. The annual percentage rate is the cost of credit at a yearly rate.  Our rates can range from 6.99% to a maximum of 14.99%.

Unfortunately, financing options can’t be provided to everyone. If you believe a mistake has been made, please let us know by contacting us at 800-397-4485. If you are declined, you will receive a notice within 30 days at the email address you provided to us, describing some of the reasons you were declined. Applicants are declined for many reasons including credit-related issues, missing or inaccurate documentation related to homeownership, income, or project-related issues.

Please let us know right away. If we have fallen short of our goals, we’d like to know as soon as possible so that we can rectify the situation. You can call us at (800) 397-4485 or chat with us online 24 / 7.

In general, your first payment will be due approximately 30 days after you signed the Payment Authorization Certificate “PAC”.   Subsequent payments are due every month after that, usually on the same day of each month.  If you signed up for a promotional loan, your first payment will be due 30 days after the expiration of the 12-month or 24-month promotional date.

No. PowerPay is a consumer loan program.  You do not need to hold and manage a credit card when you work with PowerPay.

Any procedures related to cosmetics, dentistry, fertility, med spa, vision/LASIK, and veterinary qualify for financing.