AMS Financial Solutions, Inc, Consumer Finance & Loan Companies, Charleston, SC

Same as Cash Loans for Home Improvement

What is a Same as Cash Loan and How Do They Work ?

Same as cash loans for home improvement is one of the most requested products by consumers, contractors a manufacturers. This is an old industry term that can have different meanings depending on who you ask. The traditional meaning was for a product that was offered by a contractor, manufacturer, distributor or dealer for their consumer and the primary benefit was a small or no minimum payment loan that carried a 0% term that if the consumer paid the balance in full they would incur no interest charges. There were and are quite a few different iterations of this program but most if not all have been changed a bit due to the legislation that was enacted to better protect consumers.

The new programs are both beneficial to the contractor and the consumer in many ways. The contractor can still sell their product or service by advertising a 0% APR for home improvement and the consumer can reap this benefit. Same as cash for home improvement is available with credit card offers for home improvement with a minimum monthly payment that goes directly to reducing the proinciple balance. This amount is typically 1.5%-3% of the outstanding balance and is set up to encourage regular if only modest payments by the consumer. They still get the ultimate benefit of a 0% APR product and if they pay in full they will not incur and interest or fees whatsoever.

Get started today by searching our wide variety of 0% APR home improvement credit cards.

Featured Loan and Credit Card Offers from our Partners

  • 0% APR Cards up To 18 Months on Home Improvement Purchases

    0% APR on Purchases Up to 18 Months- Over 30 Different Offers to Choose From- Good to Excellent Credit Required- Research and Compare all Cards - Start By Clicking "choose offer" plus

  • Hearth Home Improvement Financing

    Hearth matches you to great financing options across a broad network of lending partners without affecting your credit score. Rates start at 4.99% APR with potential loan amounts ranging from $1,000 to $100,000. Homeowners with FICO scores as low as 500 could plus

  • LightStream Home Improvement Loans

    Loans from $5,000 - $100,000 unsecured. Rates starting at 4.99%* APR with AutoPay. Good to Excellent credit required. 12 year payment terms^ available for excellent-credit customers. No prepayment penalty. Money in your account as soon as today.† N plus

  • Lending Club Home Improvement Loans

    $1,000 to $40,000 for Home Improvement Rates from 6.95% to 35.89%* APR. Best APR is available to borrowers with excellent credit 3 & 5 Year terms * No prepayment Penalty Funding in as few as 3 days Not available in Iowa & West Virginia Mini plus

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Borrow up to $ 100,000
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