Financing Options - EZ Restore

Home Improvement Financing Made Easy

We've Partnered with Luso Federal to Make Your Remodel Affordable

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Low Monthly Payments

Spread the cost of your remodel over time with affordable monthly payments. Choose terms that fit your budget and lifestyle.

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Quick Approval Process

Fast and straightforward application with decisions often available within hours. Start your project without waiting.

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Flexible Terms

Choose from multiple loan term options ranging from 12 to 84 months to find the perfect balance of payment and duration.

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No Home Equity Required

Unlike home equity loans, our financing options don't require you to borrow against your home's value.

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Simple Application

Easy online application process with minimal paperwork. Apply from the comfort of your home in just minutes.

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No Prepayment Penalties

Pay off your loan early without additional fees. You're in control of your financing timeline.

Simple 4-Step Financing Process

Project Consultation

Meet with our team to discuss your project and receive a detailed estimate.

Apply Online

Complete Luso Federal's simple loan application in minutes.

Quick Approval

Receive your loan decision, typically within hours.

Start Your Project

Once approved, we'll schedule your project to begin right away.

See How Affordable Your Project Can Be

With our flexible financing options, your dream renovation could cost less per month than you think. Browse our estimated monthly payments based on project size to get an idea of what to expect.

The actual terms and rates will depend on your credit profile and the specifics of your project.

Estimated Monthly Payments

$5,000 Project as low as $69/month*

$10,000 Project as low as $138/month*

$25,000 Project as low as $345/month*

$50,000 Project as low as $690/month*

Apply Now & Get Your Rate

*Based on estimated 84-month term at 6.99% APR for qualified applicants. Rates range from 5.99% to 17.99% APR based on creditworthiness. Actual rates may vary.

How to Apply for Financing

Simple Application Process

Our financing application is designed to be straightforward and user-friendly. Through our partnership with Luso Federal, you can complete the entire process online in just minutes.

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Basic personal information

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Employment and income details

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Project cost estimate (which we provide)

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Electronic signature for documents

Most applications receive a response within hours, allowing you to move forward with your renovation project quickly.

Ready to Get Started?

Apply today through our secure portal or scan the QR code with your smartphone.

Scan to Apply

Take a photo of this QR code with your smartphone camera to go directly to the application.

Apply Online Now

What Our Customers Say About Financing

"We were able to completely remodel our kitchen instead of just doing a partial update thanks to the financing options. The application was easy and we were approved the same day!"

Jessica & Mark L. Longmeadow, MA

"The financing option made it possible for us to add a bathroom that significantly improved our home's value. The monthly payments are manageable and the whole process was stress-free."

Michael T. East Longmeadow, MA

"Instead of waiting years to save up, we were able to finish our basement right away. The rates were competitive and now we have a beautiful entertainment space for our family."

Sarah & David R. Agawam, MA

"We appreciated how transparent EZ Restore was about the financing options. They showed us different term lengths and helped us choose the one that worked best for our situation."

Jennifer K. Springfield, MA

Financing FAQ

What types of projects can I finance?

You can finance virtually any home improvement project we offer, including:

Kitchen remodeling
Bathroom renovations
Basement finishing
Home additions
Window and door replacement
Deck construction
Whole house renovations

There's no project too large or too small for financing consideration.

What information do I need to apply?

To complete your financing application, you'll typically need:

Personal identification information
Employment and income details
Project cost estimate (which we can provide)
Basic financial information

The application process is designed to be straightforward and user-friendly.

How quickly can I get approved?

Through our partnership with Luso Federal, most applications receive a response within hours of submission. Once approved, you can typically begin your project within days, depending on our current schedule and your desired timeline.

Is there a minimum or maximum project cost for financing?

Our financing partner offers flexible loan amounts to cover projects of various sizes. While there may be minimum loan amounts (typically $1,000), the maximum will depend on your credit profile and income. During your consultation, we can discuss your project scope and budget to determine the best financing option for your needs.

What are the term lengths available?

Luso Federal offers a range of term lengths to fit your budget needs, typically including 12, 24, 36, 48, 60, 72, and 84-month options. Shorter terms generally offer lower interest rates but higher monthly payments, while longer terms spread the cost out further for lower monthly payments.

Are there any prepayment penalties?

No, the financing options we offer through Luso Federal do not include prepayment penalties. You're free to pay off your loan early without additional fees, giving you flexibility and control over your financial planning.

Can I finance only part of my project?

Yes, you have the flexibility to finance all or part of your project. Some homeowners choose to make a down payment and finance the remainder, while others finance the entire project cost. We can help you determine the best approach based on your financial situation and project goals.

Does the interest on home improvement loans offer tax benefits?

Some home improvement loans may qualify for tax deductions, particularly if they're used to substantially improve your primary residence. However, tax laws are complex and frequently change. We recommend consulting with a tax professional to understand potential tax benefits based on your specific situation and current tax laws.

Finance Your Dream Remodel With EZ Restore