The best option is to check your credit scores first so that you can narrow down the choices based on your scores and the amount you need to borrow. You can check your scores and credit for free using our free score trial on the site or by clicking here. Don't worry, you can get your scores and not have it count against you and cancel the free trail within 7 days and still keep your scores. The rates and terms available are published under each section of our loan portal and by clicking on each option for more details. Please review all programs before you start to make sure that you have chosen the best program for your situation.
The majority of our loan programs on our loan portal will give an instant approval in 60 seconds or less from the completion and submission of the online application. In certain situations you will not get an instant decision but an response that more time is needed to make a decision. This just means that your particular loan application, the data provided or the information from your credit report is too complicated for the automated underwriting system. You will usually be contacted by the lender or card issuer directly with a final decision within a week or less.
Funding can take as little as 1-3 days but most loans fund in the 5 day range. The credit card products require 2 days to be set up and 5 days to mail the card to the customer. The majority of the cards arrive within 6-7 days from time of instant approval. Once the customer receives the card they simply activate the card and can pay for your project in full. In the case of an unsecured loan the proceeds are generally direct deposited to your preferred bank account and you can pay in cash or write a check with the proceeds.
We recommend that if you are looking for a 0% APR program and you are not approved for enough funds that you also apply for one of the other 0% credit card programs in the same credit category. Sometime you may have to marry two different programs to get to your final number. This also applies to the straight unsecured programs as well.
We have a special area for challenged credit and you may want to apply for those options. In addition there are links to Check Your Credit and score and that may be one of the best places to start to make sure that there is nothing on your credit that you didn’t know about and why you may be getting declined.
There is no place to put the loan amount requested on the credit card or 0% programs. You will automatically approved for the maximum line amount that your credit , income and debt ratio will allow. All of the loan and unsecured loan programs do allow you to request a loan amount and if that amount is not approved you may be presented with a counter offer.
We do not currently take any credit our loan applications over the phone. Our systems and loan programs require that all loan applications be taken over the secure loan website to make sure that all terms of use and loan disclosures are read and acknowledged by the customer. The customer is the only one who can complete the loan application and it considered a fraudulent transaction if anyone other than the end consumer completes the loan application.
We welcome you to contact us by phone or email. All inquiries are usually responded to within 2 hours during our normal business hours. Our normal business hours are 9:00 AM- 5:00 PM Eastern Standard Time.
Home Improvement Loan Pros has been America’s choice for fast and easy financing since 2004. We have helped over 100,000 consumers finance their dream pools, medical procedures, home improvement projects and more with our industry leading suite of 0% cards and unsecured loan programs. Our staff has a combined 75 years of experience in consumer finance and lending and we are ready to serve you. It is our pleasure to help you and your family with your financing for anything that you may want or need to finance. We use the latest technology to procure, curate and fund the very best programs in the market. Our approvals are fast as 30 seconds on some products and our funding can be as quick as same day for some products. We have programs for all credit grades and in all 50 states. There is nothing that we cannot finance. We hope that we can help you and your family get the best program for your particular needs.
We work with over 50,000 partners like you nationwide and give you and your clients/customers access to the most competitive financing programs in the market. Since 2004 we have over delivered and solidified our reputation by offering the best programs and rates and delivering the easiest partner financing program for you and your sales force.
Our site is set up to be very intuitive and easy for the dealer, their staff members and customers to use. If you would like additional help or training please let us know.
Yes you will need to have a merchant processing account in place in order to accept our 0% APR cards. If you need any help setting up please contact your rep for the very best rates for merchant card programs.
This is the only requirement that we have to work with us. Doing so will make it easier for your clients and sales staff to find our loan portal and increase the effectiveness of advertising that you offer financing. We will email instructions to you after enrollment and you can forward the linking badge to your webmaster.
We do not assign a dealer number to your account. All loans must be applied for and submitted by the consumer and not the contractor. The best way to track your loan or card approval is to be present when the customer applies. We are unable to track or provide details about specific customer approvals due to privacy regulations.
Most loans fund in the 5 day range. The 0% credit card products require 2 days to be set up and 5 days to mail the card to the customer. You must be set up to accept credit cards in order to use the 0% card programs. The cards will be branded as Visa, MasterCard, or Discover depending on the program selected. You will still have to pay the merchant fees that you already pay to your service provider to accept cards.
Due to the nature of the banking industry and the large number of products and programs that we offer, we are unable to predict when rates and program parameters will change. The loan portal is dynamic and will always have the most up to date info on each product and program. We suggest you visit the site often to make sure that you are current on all of our best offerings.
We advise our dealer partners to make sure that they get a signed contract and a deposit from the customer so that there is no concern that the dealer will not get paid.
Unfortunately not. We need the customer to complete the application on our loan portal so that they can be advised of and agree to the terms of service of the loan or card product. We also have fraud protection measures in place to make sure that the customer is the one completing the application.
There are no restriction on the type of products and services that we can finance. Any product or service that you provide will be financed.
We do not charge any buy downs or discount fees to the dealer whatsoever.
There is typically a nominal set up/ enrollment fee but please check with your agent for any special promotions or discounts. We want to make using our programs as easy as possible so there is very little paperwork or time to get set up. In addition since we fund the client directly via a direct deposit to their bank account or a credit card that they are sent we will not need your business financials or any long application process that other finance companies require. You and your customers can start using this site immediately.
The most of our loan programs on our loan portal will give an instant approval in 60 seconds or less from the completion and submission of the online application. In some case the 0% programs will require additional time to approve or decline the applicant.
The customer is underwritten and funded directly so we do not need to see your sales contract or completion certificate. The client is funded up front and you can make any arrangements that you want to structure payment to your company with the customer.
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Add one of these Banner/Badges to your website to show your customers that you offer financing and to provide a one click link to the financing loan portal. Point the banner/badge to https://www.homeimprovementloanpros.com/<YOUR LINK>
The loan application must be completed online through this website/loan portal by the end user customer that wants to obtain the loan or financing. The loan application and credit card application cannot for any reason be completed by the dealer, merchant or partner. All loan applications must be completed through the website loan portal. We do not take loan applications by phone, fax or email due to strict compliance rules. Do not apply or complete the loan application unless the loan is for you. Any violation will result in a fraud warning detection on the application and a likely loan decline as well as termination of the merchant /dealer / partner relationship
The loan application must be completed online through this website/loan portal by the end user customer that wants to obtain the loan or financing. The loan application and credit card application cannot for any reason be completed by the dealer, merchant or partner. All loan applications must be completed through the website loan portal. We do not take loan applications by phone, fax or email due to strict compliance rules. Do not apply or complete the loan application unless the loan is for you. Any violation will result in a fraud warning detection on the application and a likely loan decline as well as termination of the merchant /dealer / partner relationship