Financing Options

Flexible Financing Solutions for Your Home Improvement Project

Get the Project You Need Without Delaying Repairs

Picture this situation: you notice a leak in your roof after a storm. Before long, water has started making its way into your home, and every passing day increases the risk of more costly damage.


Insurance may not cover the full repair cost, and paying everything upfront may not be practical. Delaying the work, however, isn't an option.


At About Time Home Improvement, we offer flexible financing options that help homeowners move forward with projects without unnecessary delays. Whether you're replacing a roof, installing new siding, upgrading windows, adding gutters, or completing another exterior improvement, financing makes your investment more manageable.

What Is a Personal Loan?

A personal loan allows qualified homeowners to finance a home improvement project instead of paying the full amount upfront. Approved applicants receive funding and repay it through fixed monthly payments over an agreed loan term, making budgeting easier and more predictable.

Benefits for ATHI Solutions Customers

Financing supports both homeowners and their projects.

Move Forward With Confidence

Financing helps eliminate delays by allowing important repairs and improvements to begin when they're needed.

Simplify the Payment Process

Spread your project cost into convenient monthly payments while protecting and improving your home.

Complete Important Repairs Before Problems Grow

Address roofing, siding, gutters, or other exterior issues before they lead to larger, more expensive repairs.

Personal Loan Financing at a Glance

Personal loans provide quick access to funds while allowing homeowners to repay the project through affordable monthly payments over a fixed period.

Understanding Annual Percentage Rates (APRs)

APR represents the yearly cost of borrowing, including interest and applicable lender fees. Loan offers vary based on:

  • The financing program selected
  • Whether the loan is secured or unsecured
  • The applicant's financial profile

Financing Options

About Time Home Improvement Solutions offers financing solutions designed to fit different budgets and project needs. Programs vary based on lender approval and qualifications, giving homeowners the flexibility to compare available options and choose what works best.

Secured vs. Unsecured Loans

Many home improvement loans are unsecured, meaning homeowners do not use their property as collateral. While interest rates may differ from secured loans, many borrowers appreciate financing without borrowing against their home's equity.

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Your Financial Profile Matters

Lenders typically evaluate:

  • Creditworthiness
  • Income and employment status
  • Debt-to-income ratio
  • Individual lender underwriting guidelines

Creditworthiness

Credit scores generally range from 300 to 850 and help lenders evaluate borrowing history. Stronger credit profiles may qualify for better financing options, but every application is reviewed individually according to lender guidelines.

Income and Employment

Stable income and consistent employment help demonstrate the ability to comfortably manage monthly loan payments.

Debt-to-Income Ratio

Debt-to-income ratio compares monthly debt obligations to monthly income. Lower ratios generally provide greater financial flexibility.

Individual Lender Guidelines

Each lender uses its own approval process. Because underwriting standards differ, homeowners may receive multiple financing offers with different loan amounts, rates, and repayment terms.

Understanding Loan Rates and What Influences Them

Loan rates are based on several factors, including the financing program selected, credit profile, income, debt obligations, and each lender's underwriting requirements. Rather than focusing on one qualification, lenders evaluate the applicant's complete financial picture.

Why Homeowners Choose Financing

Financing allows homeowners to invest in their property's safety, appearance, and value without delaying important work.


Many homeowners choose financing because it helps them:

  • Manage project costs with predictable monthly payments.
  • Preserve available savings for other financial priorities.
  • Complete important repairs before damage becomes more extensive.
  • Improve comfort, energy efficiency, and curb appeal sooner.
  • Invest in their home's long-term value without paying the full project cost upfront.

Financing That Helps You Move Forward

Unexpected repairs and planned improvements shouldn't have to wait because of upfront costs. At About Time Home Improvement, we believe homeowners deserve flexible payment solutions that make investing in their property easier. Financing allows qualified homeowners to spread project costs into predictable monthly payments while completing important improvements sooner. Contact us today to learn more about our financing options and take the next step toward improving your home with confidence.

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