Financing
Ecofoam is proud to partner with Sunlight Financial to offer flexible financing for your insulation projects. Get immediate approval and competitive terms to start your upgrade today.
Financing Frequently Asked Questions
Are there any requirements for the financing application?
Yes. The primary applicant must be listed on the property title as a homeowner to qualify for financing.
What APR can I expect to pay?
We now offer 0% APR for 12 months! Otherwise, rates range from 0% to 11.99% APR. (0% for 12 months, 20.99% deferred interest if not paid in full within 12 months. Can be fully paid at any time within those 12 months with no penalty).
What term options do I have?
We offer terms of 12 months, 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.
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: 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 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.
