Vinyl Siding Financing

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Vinyl Siding Financing

Vinyl Siding Installation Loans

Whether you are looking to add value to your home or want to ensure that your home is protected from future damage, installing vinyl siding on your home is a good investment. Purchasing and installing vinyl siding can be very expensive, especially when you have a large home, but with vinyl siding financing, you can ensure that you get the funding you need to improve and protect your home.

Applying for a vinyl siding loan is simple:

Fill out a simple and fast online application in just minutes

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Borrow up to $100,000 as fast as next business day

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What is vinyl siding?

Vinyl siding is a type of exterior wrapping that can both improve the aesthetics of your home and provide weather protection against harsh elements.

Made from polyvinyl chloride (PVC), this type of siding is durable, affordable, and is ready-manufactured in your chosen color, so there is no need for painting and regular maintenance.

Can you finance vinyl siding?

If you can’t wait to save up for vinyl siding, there are financing options available that will provide you with the money you need to cover the costs of purchase and installation.

How does vinyl siding financing work?

The way in which vinyl siding financing works will depend on the type of financing you choose, but it typically involves receiving a lump sum, which you will then have to pay back in weekly or monthly installments over a fixed term, with added interest.

What are the different types of vinyl siding?

There are several different types of vinyl siding available, including:

  • Clapboard Siding: runs horizontally across the house, end to end, overlapping one another.
  • Board and Batten Siding: runs vertically, from top to bottom of the house
  • Cedar Shake Vinyl Siding: has the appearance of real cedar shingles.
  • Wood Grain Vinyl Siding: has the appearance of stained wood.
  • Beaded Seam Siding: rounded notch along the bottom edge of the plank.
  • Scalloped Siding: half-rounded shingles, also known as “fish scale”.
  • Log Vinyl Siding: gives the look of a log cabin for a fraction of the price.

Since they are all crafted from the same material, the type of vinyl siding you should choose for your home depends entirely on your individual taste and the look you are hoping to achieve.

How to finance vinyl replacement siding for your home

If you are looking to obtain financing for vinyl siding, there are a number of financing options available to choose from:

  • Cash from savings or easily liquidated assets: When you are looking to make a large purchase, you should always start by determining whether you can cover the costs with money you already have. Whether this is with savings or by liquidizing assets, using your own funds will always be the most affordable option and will prevent you from getting into debt.
  • Through the contractor: You may find that your contractor will offer financing options if the overall cost is (typically) $10,000 or more. Many successful contractors will offer financing for a 12- or 18-month period, working with a third-party lender or credit union. You may be able to get a good deal this way, depending on your creditworthiness, but you should make sure that you cannot get a better deal through another lender before making a commitment.
  • Personal Loan: A popular option for vinyl siding financing is a personal loan, providing you with a lump sum to cover costs. The loan amount and interest rate will depend largely on your credit score, each lender with different eligibility requirements.
  • Credit Card: It is usually unwise to use a credit card to make large purchases as their high interest rates make them very expensive, often getting borrowers into debt. If you are able to find a credit card with a long 0% APR period and have some savings to use, this could still be an option for you.
  • HELOC: A Home Equity Line of Credit can be a good option as they typically have high borrowing limits and low interest rates. The revolving credit means that you can use it as and when you need to, only paying interest on what you use. It is important to acknowledge that, since your home is used to secure the loan, you could be putting your home at risk should you default on repayments.
  • Home Equity Loan: An alternative to a HELOC is a home equity loan, otherwise known as a second mortgage. Like a personal loan, you will receive a lump sum which is then paid back in monthly installments over an agreed term, paying a fixed interest rate. Again, as your home is used as collateral, you could lose your home if you fail to make repayments.

What are the pros and cons of vinyl siding financing?


  • protect your home now before it gets damaged
  • Increase your home’s value


  • if the market changes, you may not make your money back
  • you may have to continue paying the loan even after you’ve sold the house if you don’t use the equity to pay off the loan
  • can be hard to secure for those with low credit scores

Top lenders that offer vinyl siding financing


Varies depending on borrower

Loan term:

2 - 5 years

Loan amounts:

$2,000 - $35,000

Hidden fees:

Origination fees in some cases, late fees when applicable

Minimum credit score required


Extra perks:

Ability to change your payment due date twice during repayment term

Fund availability

In most situations, funds will be available within one business day


Varies depending on borrower

Loan term:

3-6 years

Loan amounts:


Hidden fees:

Origination fees, late fees, insufficient funds fees

Minimum credit score required


Extra perks:

Financial education include articles and tools such as various calculators

Fund availability

1-3 business days


Varies depending on borrower

Loan term:

3-5 years

Loan amounts:


Hidden fees:

Origination fees, late fees

Minimum credit score required


Extra perks:

Online Member Center allows borrowers to work on their credit and see their score as well as the factors that contribute to it

Fund availability

Varies; within 48 hours on average

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What is the average cost of materials for vinyl siding and how much does installation cost?

On average, vinyl siding materials cost between $3.50 and $8 per square foot, depending on the size and condition of your home exterior, and the type of vinyl siding you choose.

Professional installation costs from around $2 to $5 per square foot, depending on the contractor, your location, and the time of year of installation.

Vinyl siding calculator

How much do you need to borrow?


Total Payment


Total Interest


Monthly Payment


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How long does vinyl siding last?

Generally, vinyl siding will last between 20 and 40 years but can last longer with care and maintenance. If you live somewhere that is very sunny or is subject to harsh weather conditions, its lifespan will most likely be on the lower end.

Will new vinyl siding increase my home’s value?

Vinyl siding will help to increase your home’s value by improving its appearance as well as its durability.

According to the 2021 Remodeling Cost vs Value Report, vinyl siding improvement increased a homes’ value by an average of 68.3%.

What credit score do I need to qualify for vinyl siding financing?

To qualify for the best types of vinyl siding financing, with the best terms and rates, you will want to have a minimum credit score of around 600, but preferably 640 or above.

You may be able to qualify for financing with a lower credit score than this, but you are likely to be offered higher interest rates and shorter terms, making the loan much less affordable.

Best Lenders That Offer Vinyl Siding Financing

Some of the best lenders that offer vinyl siding financing are:

Lender Loan Type Minimum Credit Score Loan Amount Range Repayment Term Range Origination Fee Additional Features
Avant Personal Loan 580+ $2,000 - $35,000 24 - 84 months None Fast online application, same-day funding possible
Axos Home Improvement Loan 640+ $5,000 - $50,000 12 - 60 months Up to 1% Fixed monthly payments, flexible repayment options
LendingClub Peer-to-peer Loan 600+ $2,000 - $40,000 36 - 60 months Up to 6% Access to multiple investor offers, online loan management
LightStream Personal Loan 660+ $5,000 - $100,000 24 - 84 months None No collateral required, fast funding available
OneMain Financial Personal Loan 500+ $2,000 - $30,000 24 - 60 months Up to 6% Branch locations for in-person assistance
Prosper Peer-to-peer Loan 640+ $2,000 - $40,000 36 - 60 months Up to 5% Competitive rates for good credit borrowers
Universal Credit Home Improvement Loan 620+ $5,000 - $50,000 12 - 60 months Up to 5% Potential discounts for existing customers
Upstart AI-powered Personal Loan 560+ $1,000 - $35,000 6 - 60 months Up to 8% Faster approvals for borrowers with limited credit history

Apply for vinyl siding financing

If you are sure that upgrading your home with vinyl siding is the next step toward adding value to your home, you can start to think about your financing options.

It is best to get a quote from a few contractors first so you can get a better idea of how much you will need to borrow. We have made it easy for you to compare rates so that you can ensure you are getting the best deal, that is most affordable for you. Simply click apply and you will be well on your way to starting your home improvement project.

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Loan rate & terms disclosure: Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.

Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.