Thinking about upgrading your home but not sure how to pay for it? You’re not alone—and that’s where SimpleDirect comes in.
We make it easy to explore flexible financing options so you can move forward with your project without the stress of a big upfront payment.
Here are the main types of financing we offer:
🏡 Unsecured Personal Loans
This is the most popular option through SimpleDirect.
These are fixed-term loans that don’t require any collateral (like your home or car).
You get a lump sum upfront and repay it over time in monthly installments.
Why homeowners love it:
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No home equity required
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Fixed monthly payments
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Fast approval process
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Can be used for all kinds of home improvement projects
💳 Credit Card Financing (Including 0% APR Cards)
We also partner with credit card providers to offer special financing options—like 0% APR promotional cards.
These can be a great way to spread out payments interest-free for a certain period (sometimes 12–18 months or more), depending on the card.
Why it works for some projects:
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No interest during the promo period
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Great for smaller-to-medium size projects
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Fast and flexible access to funds
✅ How to Choose the Right Option
Here’s a quick rule of thumb:
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Big projects (like roofing, HVAC, full renovations)? → Personal loan might be best.
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Smaller projects (like new appliances, flooring, or minor upgrades)? → A 0% APR credit card could be perfect.
No matter your project or budget, we’re here to help you understand your options and get financing that works for you.
If you're ready to see what you qualify for, start your application—it only takes a few minutes and won’t affect your credit score!