Choose a Financing Plan
Every project and every homeowner’s situation is different. That’s why we offer a range of financing options designed to give you the flexibility to choose what works best for you.
12 Months, 0% Interest
No interest if paid in full within 12-month promo period, with no payments required.
Subject to credit approval. Rates range from 15.85% – 21.19% APR (interest rates range from 17.99% – 24.99%). Loan amount and rate will vary based on your income and creditworthiness. 12 month promotional period (“Promo Period”) during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are not required during the Promo Period. Any unpaid balance and amounts owed after Promo Period will be paid over 84 monthly payments. For example, assuming the full credit limit is used on loan approval date and no payments are made during Promo Period, for every $1,000 financed at a fixed interest rate of 24.99%, 12 monthly payments of $0 followed by 84 monthly payments of $28.29. This example is an estimate only. Actual payment amounts based on amount and timing of purchases. terms. Limited time offer. One offer per household. Call for details.
6.99% APR, 5-Year
Fixed rate 6.99% APR for 60 months.
Subject to credit approval. Loan term is 60 months at fixed rate of 6.99% APR. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 6.99% APR, 60 monthly payments of $19.80. This example is an estimate only. Actual payment amounts based on amount and timing of purchases. Limited time offer. One offer per household. Call for details.
10.99% APR, 15-Year
Fixed rate 10.99% APR for 180 months.
Subject to credit approval. Loan term is 180 months at fixed rate of 10.99% APR. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 10.99% APR, 180 monthly payments of $11.36. This example is an estimate only. Actual payment amounts based on amount and timing of purchases. Limited time offer. One offer per household. Call for details.
Find out if you qualify.
How Financing with Kelly’s Construction Works
Step 1 - Pre-Qualify
Check available payment solutions with no impact to your credit score.
Step 2 - Review Your Options
See available plans and determine what works for your home project.
Step 3 - Plan Your Project with Kelly's Construction
If you haven't already, set up a free in-home consultation to discuss your project and final estimate.
Step 4 - Apply for Financing
A hard credit pull is required.
Step 5 - Project Completed & Financing Begins
We'll notify the lender that the project is complete and your payments will begin.
Yes. Our financing options have no pre-payment penalties, so you can pay off your financing early without a pre-payment penalty.
No. Pre-qualifying simply allows you to see the financing options that may be available to you. It does not mean you’ve accepted or taken out a loan.
Your Kelly’s Construction project estimate can help you determine the amount you’ll need to finance. From there, you can choose the financing option that best fits your project and budget and submit a formal loan application.
A soft credit pull allows you to explore financing options without impacting your credit score. A hard credit pull occurs when you decide to move forward and submit a formal loan application, and it may impact your credit score. You’ll have to check a box confirming you understand that submitting your formal loan application will result in a hard credit pull.
No, not with a pre-qualification. Pre-qualifying takes a soft pull on your credit to determine what options you may have available to you. It’s free and easy to check your payment options.
Pre-Qualifying Doesn’t Commit You to a Loan
By pre-qualifying, you’re completing a soft credit pull to check your options. A hard credit pull only comes once you fill out the formal application after selecting your payment option.
Meet Our Lending Partners
GreenSky
FTL Finance
Ready to See Your Financing Options?
We’re excited to work with you on your next home project. Getting started is easy!
Take just a few seconds to pre-qualify and explore the financing options available to you, without impacting your credit score.
