The mechanics
We partner with a third-party financing platform. Soft credit pull at quote time — no hit to your score. Approval decision in roughly 60 seconds. 12 months at 0% APR. $0 down.
Monthly payment is the install cost divided by 12. $2,800 Standard = $233/month. $5,800 Premium = $483/month.
The actual catch
If you don't pay the balance off in 12 months, the financing platform back-charges interest from day one — that's how all 0% promo financing works in this industry.
Reality: 96% of our financing customers pay it off within the term. We send a reminder at month 10.
The credit-score side
Approval threshold is roughly 640 FICO. Higher scores get the full 12-month term. 600-640 sometimes gets approved at 6 months 0% APR. Below 600, the platform usually declines and we discuss alternative options.
