Home improvement businesses rely on customer financing programs to win more jobs and keep costs affordable for their customers. Learn more about the different options available.
Two Financing Options. Two Very Different Use Cases.
Not all customer financing is the same. At Pure Finance Group, we offer two distinct financing solutions designed for different project sizes, customer needs, and sales situations. Home improvement financing is critical to winning more jobs, so make sure you are offering it across all of the work you do.
Understanding the difference helps contractors choose the right option—and close more deals.
Option 1: Home Improvement Retail Installment Loans (Up to $100,000)
True Financing for Large Home Improvement Projects: learn more
Our Retail Installment Loan (RIL) program is designed for contractors selling big-ticket home improvement projects.
This is true financing—built for long-term affordability and higher approval potential.
Best for:
- Roofing, HVAC replacements, solar, windows, remodels
- Projects where monthly payment matters most
- Customers financing the majority of the job
Key Features:
- Loan amounts up to $100,000
- Long-term options (up to 240 months / 20 years)
- One soft-pull application
- 1st & 2nd look approvals from one lender
- Prime to subprime credit coverage
- Contractor-presented financing at point of sale
- Promotional no interest and no payment periods (deferred customer payments)
- Funds disbursed upon project completion or stage funding a portion upfront
Why Contractors Use This
Retail installment loans allow contractors to:
- Close larger projects
- Lower monthly payments for customers
- Maximize approval rates
- Offer financing as part of a professional sales process
This is the solution contractors rely on when financing is essential to getting the deal done.
Option 2: Short-Term Consumer Loans (Up to $25,000)
Fast, Consumer-Driven “Buy Now, Pay Later” Style Financing: learn more
Our shorter-term loan option is designed for speed and simplicity. These loans are consumer-driven, meaning the homeowner typically initiates the process themselves.
This option functions more like a buy now, pay later (BNPL) solution.
Best for:
- Smaller projects or add-ons
- Partial financing or out-of-pocket gaps
- Customers who want speed over structure
Key Features:
- Loan amounts up to from $300 – $25,000
-
Shorter repayment terms from (3 months – 84 months)
- Faster, instant-style decisions
- 0% APR options
- Consumer-initiated experience
- Funded to contractor 100% upfront
- Ideal for quick purchases
Why Contractors Use This
Short-term loans work well when:
- The customer needs a fast solution
- The project doesn’t require long-term financing
- Financing is convenient—but not critical—to the sale
This option keeps momentum high without overcomplicating smaller jobs.
True Financing vs Buy Now, Pay Later: What’s the Difference?
| Feature | Retail Installment Loan | Short-Term Loan |
|---|---|---|
| Max Loan Amount | Up to $100,000 | Up to $25,000 |
| Best For | Large projects | Smaller jobs |
| Term Length | Long-term (up to 20 years) | Short-term |
| Approval Structure | 1st & 2nd look | Instant decision |
| Credit Coverage | Prime to subprime | More limited |
| Sales Role | Contractor-led | Consumer-led |
| Financing Type | True financing | BNPL-style |
Which Option Should Contractors Offer?
The best contractors offer both—but use them differently.
- Use Retail Installment Loans when financing is critical to closing the job
- Use Short-Term Loans when speed and simplicity matter most
By matching the right financing option to the right project, contractors create a better customer experience and increase close rates.
Financing That Fits the Job — Not the Other Way Around
Pure Finance Group gives contractors access to true home improvement financing and fast, flexible consumer loan options—so you’re never limited by one-size-fits-all solutions.
👉 Talk to our team to learn how to position both options effectively and close more jobs.