Exterior work is not a credit-card purchase. We work with two third-party lenders that offer home-improvement financing from 12 months same-as-cash to 144-month installment plans. Same-day approvals, and checking your options does not affect your credit score.
Every plan below is offered through a third-party lender. We are not the lender, we do not set the rates, and we do not get paid differently based on which plan you choose.
Pay no interest if the balance is paid in full within twelve months. Interest accrues from day one at the standard rate and is waived at payoff if the promotional period is met.
Fixed monthly payment for sixty months at a fixed rate. The most common plan for full siding replacements and facade restorations because it keeps the payment predictable.
Twelve-year installment loan for the largest projects. Lowest monthly payment, highest total interest. Used when the priority is keeping the monthly obligation as small as possible.
Move the sliders to see an estimated monthly payment for a given project cost and term. This is an estimate — the actual rate depends on your credit profile and the lender's underwriting.
Estimate only. Actual rate, monthly payment, and total cost depend on the lender's underwriting of your credit profile, income, and the terms of the specific promotional offer available at the time of application. Apply after your on-site estimate — no impact to your credit score to check options.
Financing runs after your estimate — never before. You should know the project scope and the total cost before you decide how to pay for it.
On-site visit, photographs, written itemized proposal within two business days. You know the actual project cost before financing enters the conversation.
Week 1We send you a link to the lender portal. Application takes five minutes. Soft credit pull to see options; full pull only if you accept the offer.
Same dayThe lender shows you the terms you qualify for. You choose the plan that fits. We schedule installation once financing is confirmed.
1–2 daysDeposit is covered by the financing. First payment is typically due thirty days after the loan closes — after the work has started, not before.
Week 2–3No. The initial application uses a soft credit pull, which does not affect your score. A full pull — which does show as an inquiry — only happens if you accept a specific financing offer and move forward with the loan.
The lender's published minimum is 640, but the rate tiers start improving at 700 and above. Below 640 we can still help through a co-signer, a home-equity product through your bank, or a cash-plus-financing split. Ask the project manager what options fit your situation.
No. The lender pays us the same amount regardless of term length or promotional structure. We do not receive a commission on the loan, do not set the interest rate, and do not have a stake in which plan you choose. We suggest financing as an option and let you make the decision.
Yes. There is no prepayment penalty on any of the plans we offer. Paying the balance off early reduces the total interest you pay. On the same-as-cash plan, paying in full within the promotional period means you pay no interest at all.
Interest accrues from day one at the standard rate for the promotional period and is charged retroactively if the balance is not paid in full by the end of the twelve months. That means you could owe twelve months of back interest in month thirteen. Same-as-cash plans are a good fit only if you are confident you can pay the balance within the promotional window.
Home-improvement financing is available for residential projects. Commercial and multifamily projects are typically financed through the property owner's own commercial lending relationship. If you need help with commercial financing introductions, ask the project manager and we can connect you with lenders who work in this space.
Yes. Many of our clients put down a portion of the project cost from savings and finance the remainder. That reduces the monthly payment and the total interest paid. Tell the project manager your target down-payment amount and we will structure the financing application to match.
Northcrest Siding & Facade is not a lender. Financing is provided by third-party lenders, and Northcrest does not set the terms, rates, or approval criteria for any loan product. The payment calculator on this page is an estimate based on a representative APR of 8.99% and is provided for illustration only. Actual rates depend on the lender's underwriting of your credit profile, income, and the specific promotional offer available at the time of application.
Northcrest is not affiliated with any specific lender and does not receive compensation for referring clients to financing. All financing decisions are made by the third-party lender. The information on this page is not a commitment to lend and does not constitute a loan offer.
A project manager walks the property, documents what needs attention, and sends a written itemized proposal within two business days. Financing options are discussed after you know the actual project cost.