Home Financing Details Can I Finance Any Type of Home Project?

Can I Finance Any Type of Home Project?

Last updated on Apr 08, 2025

Short answer: Yes, absolutely!

Whether you’re planning a major renovation or just want to freshen up your space, you can use your SimpleDirect financing to fund almost any type of home improvement project.

Here’s why:

💵 Personal Loans: Use It Your Way

Most of the financing options we offer through SimpleDirect are unsecured personal loans. That means:

  • The money is deposited directly to your account (or paid to the contractor, depending on the lender)

  • It’s your money to use on your project—no restrictions

You don’t need to use your home as collateral, and you don’t have to justify every expense.

Whether it’s new windows, a kitchen upgrade, landscaping, HVAC, solar panels, or even garage organization—you’re in control.

💳 Credit Card Financing: Also Flexible

If you’re using one of our credit card financing options (including 0% interest promotional cards), it works just like a regular credit card. Once approved:

  • You can use your card for any home-related expenses

  • It’s especially handy for paying contractors, ordering materials, or picking up supplies at stores

Just keep in mind: your contractor may charge a small credit card processing fee, so it’s always a good idea to ask before swiping.

🧰 What Projects Are Eligible?

Some popular projects we see financed through SimpleDirect:

  • Roofing, siding, windows, and doors

  • HVAC systems, insulation, and energy-efficient upgrades

  • Kitchens, bathrooms, and flooring

  • Decks, fences, landscaping, and pools

  • Solar panels and smart home systems

  • Home additions and structural work

  • ...and more!

As long as it’s related to your home improvement or repair, you’re good to go.

✅ The Bottom Line

Because these are personal loans or credit cards, there are no strict limits on how you use the funds (unlike traditional home equity loans).

That means you can finance any type of home improvement project that matters to you—big or small.

Still deciding? We’re here to help. You can check your options through SimpleDirect in minutes, with no impact on your credit score.

Let’s build something great together. 🛠️