Buy Now Pay Later for Home Improvement (2026)

Home improvement projects — from a new roof to a kitchen remodel — often come with high upfront costs. BNPL and contractor financing options can help you get projects done now and pay over time. Here’s the complete guide.

Home Depot Credit + Affirm

Home Depot offers both its own store credit card and Affirm financing at checkout. For appliances and materials, Affirm’s 0% APR promotions make it easy to finance a purchase without interest. The Home Depot Project Loan provides up to $55,000 for large renovations at fixed APR.

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Contractor Financing via GreenSky or Hearth

Many contractors now offer financing directly through platforms like GreenSky and Hearth. These let you finance the labor and materials together in a single loan. Promotional 0% APR plans are often available for 12-18 months. Approval is typically based on creditworthiness (620+ score recommended).

Personal Loans for Home Improvement

For large projects, a personal loan from a credit union or online lender is often the most flexible option. LightStream offers home improvement loans up to $100,000 at competitive rates (7-24% APR) with same-day funding for qualified applicants.

For Bad Credit: Consider a Secured Option

If your credit doesn’t qualify for traditional financing, a home equity loan (if you own your home) or a secured personal loan can be alternatives. BNPL is generally best for materials and appliances under $2,000 — for full contractor projects, dedicated home improvement financing will offer better terms.