Window Replacement Financing

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Window Financing

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:

Fill out a simple and fast online application in just minutes

Compare best personalized rates and choose your loan offer

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

Absolutely no negative impact on your credit score, ever.

How Pasha Funding Works

How it Works
Apply in minutes

Get pre-qualified in less than 2 minutes and compare offers from top lenders with no impact on your credit score.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

Compare Your Personal Loan Options

Can you get financing for windows?

Yes, there is a wide range of financing options available that are suitable for financing a window replacement. We’ll guide you through all your options below so you can make the best decision for you and your home.

Compare best loans for window replacement

Best Egg

Best Egg Personal Loan

Best Egg

Funding: Borrow $2,000 - $50,000
Minimum Credit Score: 640
APR: 5.99 - 29.99%
Loan term: 3 - 5 years
Funding turnaround: 1 - 3 business days

With Best Egg personal loans, borrowers with fair to good credit can get funding for 3-5 years and have the option to use the loan for a variety of purposes.




Funding: Borrow $1,000 - $50,000
Minimum Credit Score: 660
APR: 5.94% to 35.97%
Loan term: 2 - 7 years
Funding turnaround: as soon as next business day

Upgrade offers borrowers with fair credit scores to obtain loans up to $50k. Joint applications are allowed. Origination fees may apply.


Discover Personal Loans Review


Funding: Borrow $2,500 - $35,000
Minimum Credit Score: 660
APR: 5.99% - 24.99%
Loan term: 3 - 7 years
Funding turnaround: within 24 hours

With Discover personal loans, borrowers can apply up to $35K in funding as fast as next business day. Best for those who want to consolidate debt and have a good credit score.


Prosper Loans


Funding: Borrow $2,000 - $40,000
Minimum Credit Score: 600
APR: 7.95 - 35.99%
Loan term: 3 - 5 years
Funding turnaround: within 1 and 3 business days

With Prosper personal loans, borrowers can get funding within 1-3 business days. Best for individuals with credit scores between 630-719. No early prepayment penalties. Home equity loans available.

Will new windows increase my home’s value?

First of all, new windows will increase the energy efficiency of your home making it cheaper to run and more attractive to potential buyers who won’t need to replace the windows themselves.

Secondly, according to Remodeling Magazine, new windows add around 70% of their cost to the value of your house. So if the new windows come in at $18,000 you will add about $12,600 to the value of your house.

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.

What is the best way to finance new windows?

There are six 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 window financing lenders?

Which finance company is the best fit for you depends on your individual situation but you should include the following in your search:

  • Best Egg lend up to $35,000 for 2-5 year terms
  • PenFed can provide loans and HELOC for up to $50,000 and 1-5 years
  • Upgrade lend up to $$50,000 for 3 to 5 years
  • DISCOVER offers loans of up to $35,000 with terms of 3-7 years
  • Prosper offers amount up to $40,000 for 3 or 5 years
  • Marcus lends amounts up to $40,000 for between 3 and 6 years

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes without impact on your credit score.

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.

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?


  • 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


  • 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?

For most forms of finance, you will need a credit score of at least 580 and perhaps 660 or more to secure the best deals. Borrowers with good to excellent credit always get the lowest interest rates and most favorable terms.

Window Replacement Financing Calculator

When you have decided to go ahead with your window replacement project, see how much your loan will cost you with our calculator:

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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. We’ve made it easy for you by listing the very best window replacement loans available in our tables, so all you need to do is compare, apply, and get your funding.

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes without impact on your credit score.

Compare Personal Loans in Minutes

Apply online and find your best rate without affecting your credit score.