Window Financing for Good & Bad Credit

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Window Financing

New Window Replacement Loans

Replacing your home’s windows is one of the best ways to improve the curb appeal of your home, but it’s also one of the best things you can do for your home’s energy efficiency. Besides home insulation, it’s one of the most effective ways to keep in the temperature you want and keep out the temperature you don’t. Modern windows are also more soundproof and more dependable if someone tries to break in, so they’re always a good investment. The downside is they don’t exactly come cheap. If you want to replace your home’s windows, you’ll likely need to rely on window replacement financing.

Applying for a window replacement loan is fast and easy:

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Can you get financing for new windows?

Yes, you can get financing for windows through various options available to homeowners. We’ll guide you through all your options below so you can make the best decision for you and your home.

Will new windows increase my home’s value?

Yes, new windows can increase your home's value. According to a report by Remodeling Magazine's "Cost vs. Value" study for 2020, window replacement ranked among the top home improvement projects that recoup a significant portion of the investment when selling a house. The study found that on average, homeowners could expect to recoup about 72.3% of the cost of replacing their windows when they sell their home.

How much should you pay for new windows?

Windows vary widely in price depending on materials, size, style, and your choice of contractor. HomeAdvisor reports that you can expect to pay between $300 and $2,100 for each window with the average cost being $850. Some $100-$300 of that figure is labor. So if your home has 12 windows you are looking at around $10,200 for the set.

How can I get financing to replace my windows?

There are 6 ways commonly used to finance replacement windows:

  • Savings: If you can find the cash, then use it. Borrowing money is always going to cost you money and taking on debt is rarely all good. So if you have savings or investments you can liquidate, perhaps replacing your windows is a good use of your dollars.
  • Credit card: If you have a good credit score and can qualify for a 0% credit card, then that might be a way to finance at least part of the cost. Don’t forget that 0% interest is only for an introductory period and any outstanding amount at the end of that will attract the normal APR. So if you can’t pay off the whole amount within the time limit, you might be better off looking elsewhere for your finance.
  • Personal loan: Taking out a personal loan is a popular way of raising money for a window replacement. The loan provider gives you a sum of money which you repay monthly, plus interest, over the term of the loan – usually 2-5 years but sometimes more. A personal loan, provided your credit record is a good one, is very flexible and often carries a low interest rate.
  • HELOC: A home equity line of credit works a lot like a credit card with the finance company giving you a line of credit that you draw from as needed. Though the credit limit can be generous and the interest rate low, if you have difficulty making the repayments you could find your credit score adversely affected and may risk losing your house.
  • Home equity loan: A home equity loan allows you to draw money using the equity you have in your property as collateral. As with a HELOC, interest rates are usually low but your home is on the line if you can’t make the repayments on time.
  • Mortgage refinance: (Also sometimes called cash-out refinance.) Although remortgaging is often done to get a better rate it is also often used to provide the money for window replacement and other home improvements.

What are the best new window financing options?

The best window financing lenders can vary depending on your specific needs and qualifications. However, here are some popular and reputable lenders that offer financing options for windows:

  1. Wells Fargo: Wells Fargo is a well-known bank that offers personal loans and home improvement loans that can be used for window financing. They provide competitive interest rates and flexible repayment terms.
  2. LightStream: LightStream is an online lending division of SunTrust Bank that offers unsecured personal loans specifically for home improvement projects, including window replacements. They are known for their quick and hassle-free loan process and competitive interest rates.
  3. GreenSky: GreenSky is a financial technology company that partners with various lenders to offer financing options for home improvement projects, including window replacements. They provide convenient online application processes and fast approvals.
  4. Hearth: Hearth is an online platform that connects homeowners with multiple lenders offering home improvement loans. They offer personalized loan options for window financing, allowing you to compare different offers and choose the best one for your needs.
  5. Your Local Credit Union: Many credit unions offer competitive rates and flexible terms for personal loans or home improvement loans. Check with your local credit union to see if they have financing options available for window replacements.

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Do window companies offer financing?

Many window companies offer in-house financing, usually in partnership with a finance company. The one-stop-shop idea is attractive, but make sure you can’t get a better deal elsewhere. It may be the easiest way and can be a good idea if they offer a good introductory rate, but make sure they won’t hike the rate up on you later down the line.

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Is it hard to get financing for windows?

As with all loans, if you have a good credit score and can easily meet the monthly repayments, finding finance for window replacement should be pretty straightforward.

It is not so easy to find a lender if you have poor credit. Not only are finance deals harder to come by, but any you do find are also likely to have high interest rates and short terms. That means you have to be able to service large monthly repayments. In this case, it may be better to work at improving your credit before going ahead with a window replacement project.

Is financing windows a good idea?

Windows have improved a lot in the last few years. The U.S. Department of Energy says that you may save several hundred dollars a year by going from single pane windows to ones with double or triple panes. You also add value to your home and make it easier to sell.

What are the pros and cons of window financing?

PROS

  • Improves the energy efficiency of your home and lowers bills
  • Gives you a lower carbon footprint
  • Adds value to your home
  • Can improve the appearance of your home

CONS

  • It may not be worth doing if you are planning on moving soon though it will probably make your house easier to sell (if you’re not sure, talk to a realtor about whether it’s worth doing or not)
  • If you do move, you may be left paying for the loan after you’ve moved into a new home

What credit score do I need to get finance for windows?

The specific credit score required to get financing for windows can vary depending on the lender and the type of financing you're seeking. Generally, a higher credit score will increase your chances of qualifying for favorable financing terms. However, there is no universal minimum credit score requirement applicable to all lenders.

How to get new window financing

New windows can reduce your energy bills and improve the appearance of your home. Once you have a good idea about how much your window replacement will cost, it’s time to compare rates and apply.

  1. Assess Your Window Financing Needs:
    • Determine the scope of your window project and estimate the total cost.
    • Consider factors such as window type, installation requirements, and any additional expenses.
  2. Research Financing Options:
    • Explore different lenders and financing programs that offer window financing.
    • Compare interest rates, repayment terms, and eligibility requirements.
    • Consider both traditional lenders and online platforms that specialize in home improvement financing.
  3. Check Your Credit Score:
    • Obtain a copy of your credit report and review it for accuracy.
    • Understand your credit score and how it may impact your eligibility for financing options.
    • Take steps to improve your credit score if necessary, such as paying down outstanding debts or resolving any errors on your report.
  4. Gather Financial Documentation:
    • Prepare the necessary financial documents required by lenders, such as income statements, tax returns, and bank statements.
    • Organize and ensure the accuracy of your documentation to streamline the application process.
  5. Apply for Financing:
    • Complete the application form provided by your chosen lender.
    • Provide accurate information about your personal details, income, and the financing amount you require.
    • Submit any supporting documents requested by the lender to verify your information.
  6. Review and Compare Offers:
    • Once you receive loan offers from different lenders, carefully review and compare the terms and conditions.
    • Consider factors such as interest rates, repayment terms, fees, and any penalties.
    • Evaluate the affordability and suitability of each offer based on your financial situation and goals.
  7. Accept and Complete the Financing Process:
    • Select the financing offer that best aligns with your needs and financial capabilities.
    • Follow the lender's instructions to finalize the loan agreement, including signing any required documents.
    • Ensure you understand the terms and repayment schedule, as well as any potential consequences of non-payment.
  8. Proceed with Your Window Project:
    • Once your financing is approved and the funds are disbursed, proceed with your window replacement or upgrade project.
    • Hire reputable contractors or follow the manufacturer's instructions for installation.
    • Keep track of any warranty information or documentation related to the windows.

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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.