Financing Your Home Comfort Upgrades
At Ecofoam Insulation and Coatings, we believe that a more comfortable, energy-efficient home should be accessible to everyone. To help you achieve your home improvement goals without the upfront stress, we have partnered with Sunlight Financial to offer flexible, competitive financing options tailored to your budget.
Our financing programs allow you to start your insulation project immediately while paying over time with predictable monthly installments. Whether you are looking for short-term or long-term options, our streamlined digital application process provides instant decisions with no impact on your credit score during the initial application.
How Our Insulation Upgrade Process Works
- Schedule Your Consultation: Call us to schedule your free in-person consultation.
- Get Your Quote: One of our insulation specialists will provide a quote on-site once your estimate is complete.
- Apply for Financing: Pay your 50% deposit and complete your financing application to see if you’re approved immediately.
- Document Review: Our team confirms Sunlight has all necessary documentation and helps you upload any additional required files via the customer portal.
- Sunlight Approval: Sunlight approves our work to be completed.
- Installation Day: Our insulation specialist will schedule a day for your work to be completed.
- Final Approval: Once your home is newly insulated and you are satisfied, you approve the work as completed via the Sunlight customer portal.
- Enjoy Your Home: You enjoy your happy, comfortable, and newly insulated home.
Financing Frequently Asked Questions
Is there any pre-payment penalty?
No, Sunlight Financial does not have pre-payment penalties.
What APR can I expect to pay?
Our standard rate is an 11.99% APR.
What term options do I have on that 11.99% APR?
We offer terms of 60 months, 120 months, and 144 months.
What does my credit score need to be to qualify for financing?
A 670+ FICO is required for approval.
Will I receive a hard credit pull when applying for financing?
No. We perform a soft pull UNTIL funding occurs.
Are there any document requirements for the financing application?
Yes. The primary applicant must be listed on the property title as a homeowner to qualify for financing.
Representative Example: The monthly payment for a 15-year home improvement installment loan of $10,000 with an APR of 10.99% would be $113. No down payment required. Not all loan products will be available to all partners or all consumers.
