Winter home improvement sales decline mainly due to higher holiday expenses, tighter budgets, and increased utility costs. Offering 18-month no-interest, no-payment financing helps homeowners move forward with needed renovations now while delaying payments until spring 2027, making winter upgrades more affordable.
Every winter, home improvement sales take a noticeable dip. It’s not because homeowners stop needing work—far from it. Research shows 43% of U.S. homeowners are completing or planning renovations heading into 2025, and nearly 80% expect to address needed repairs within the next six months.
So if demand is there, why do winter sales slow down?
Winter Creates a Budget Crunch
Between holiday spending, higher utility bills, and seasonal income fluctuations, household budgets are stretched thin. In fact, 59% of homeowners say they simply can’t afford needed repairs right now, even when those repairs are urgent.
And yet, winter is the ideal time for many indoor projects—insulation, windows, HVAC upgrades, flooring, painting, and other comfort-focused improvements. These upgrades matter most when temperatures drop, but the timing makes paying for them difficult.
Promotional Financing Removes the Barrier
To help contractors keep sales strong during the slow season—and to help homeowners address important projects—offering promotional financing is essential.
18-Month No Interest, No Payment Plans
No payments until spring 2027. No interest. No pressure.
This plan eliminates the biggest obstacles: timing and budget. Homeowners can complete the work they need now, enjoy a more comfortable and efficient home all winter, and delay payments until their budget allows.
Why Homeowners Love It
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No payments until spring 2027
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No interest for the full 18 months
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Improve their homes before it gets worse
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Avoid peak spring/summer contractor wait times
Why Contractors Love It
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Converts hesitant winter shoppers into booked jobs
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Fills the slowest months with profitable work
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Creates a compelling reason to book now instead of waiting
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Differentiates your business with a powerful, consumer-first offer
Turn Winter Slowdowns Into Winter Wins
Homeowners want to improve their homes—they just need breathing room in their budgets. With extended no-payment financing, contractors can turn winter’s usual sales slump into months of steady work, while giving families the upgrades they need without financial stress.