Lending Partners

What Are the Credible Options?

Great question! When you apply through SimpleDirect, we do our best to show you a variety of financing offers from trusted lending partners—and Credible is one of them. 💡 What is Credible? Credible is a well-known online loan marketplace that compares personal loan offers from top banks and financial institutions. They’re one of SimpleDirect’s integrated lending partners, which means: - You can access pre-qualified offers in under 1 minute - You can view rates and terms side-by-side before choosing - You can complete your loan application directly with the selected lender 🧾 What to Expect When You Click a Credible Option If you choose to view Credible’s offers through SimpleDirect: 1. You’ll be redirected to Credible’s website 2. You may need to re-enter some basic information (name, income, etc.) – Don’t worry, it’s quick—and helps ensure accurate results 3. You’ll see personalized offers from multiple lenders 4. Once you select one, you can move forward with the application immediately The whole process is fast, secure, and designed to help you compare and choose the best financing for your project. ✅ Why Use Credible? - Fast results – pre-qualify in under 60 seconds - No impact on your credit score to check rates - Multiple lenders compete to offer you the best deal - No commitment—see your options before deciding 🔒 Safe and Secure Credible is a vetted, secure platform trusted by thousands of borrowers. And like SimpleDirect, they use encryption and privacy best practices to keep your data safe. Pro tip: If you don’t find the right offer on your first try, you can always return to SimpleDirect to explore other options from different partners! Have questions? We’re always here to help.

What Are the 0% APR Credit Card Options?

Looking for a way to finance your home project without paying interest? Our 0% APR credit card options might be the perfect fit—especially for smaller-to-medium sized projects that you can pay off within a year or two. 💳 Where Do These Credit Card Offers Come From? These 0% APR credit card options are offered through our lending partner Credit Land, a trusted online marketplace that works with major credit card issuers—including banks and credit unions. When you click on one of these options through SimpleDirect: - You’ll be redirected to Credit Land’s website - From there, you can browse different credit card offers - Many of them include introductory 0% interest promotional periods, typically 12–18 months, and sometimes even longer 📝 What to Expect To move forward, you may need to complete a full credit card application with the issuer. This usually involves: - Providing personal and financial information (income, employment, etc.) - Undergoing a hard credit check - Waiting for approval and your credit limit to be determined by the issuer ⚠️ Important: Your credit limit is not set by SimpleDirect—it’s determined by the issuing bank or credit union after they review your application. 🧠 A Few Key Things to Keep in Mind - These offers are subject to approval by the lending partner, not by SimpleDirect - We don’t control which card(s) you’re approved for or how much credit you receive - Once approved, you can use your card to pay your contractor, purchase materials, or cover project costs directly ✅ Why Choose a 0% APR Card? - No interest during the promotional period - Flexibility to pay as you go - Great for mid-sized projects you can pay off within 12–18 months Just be sure to plan your payments carefully—once the 0% APR period ends, any remaining balance will start to accrue interest at the standard rate. Still unsure if this is the right fit? Reach out to us anytime—we’re happy to help you compare your financing options!

What Are the Credit Card Options—and How Can I Use Them for Home Improvement Financing?

At SimpleDirect, we help homeowners find flexible ways to pay for their home projects—including credit cards. In some cases, a credit card (especially one with a 0% APR promotional offer) can be a smart way to finance your upgrade without paying interest—if you plan it right. 💳 What Kinds of Credit Card Options Are Available? We’ve partnered with Credit Land, a trusted lending partner that works with leading banks and credit unions to offer a wide variety of credit card options. These cards may include: - 0% APR promotional periods (typically 12–18 months, sometimes longer) - Rewards programs like cash back or travel points - Low ongoing APRs for longer-term flexibility When you explore these offers through SimpleDirect, you’ll be redirected to Credit Land’s website where you can browse cards, compare features, and apply. 🧾 How Can I Use a Credit Card for My Home Project? Once approved and you receive your card, you can use it just like any other credit card: - Pay your contractor directly (if they accept card payments) - Purchase materials or supplies from hardware stores or retailers - Finance smaller or medium-sized projects that you plan to pay off quickly 💡 Important: Not all contractors accept credit card payments. Before applying, please check with your contractor to confirm whether they allow credit card transactions. If they do, ask if there’s a processing fee—some contractors may pass that cost to you. 📌 A Few Things to Keep in Mind - You may need to complete a full application on the credit card issuer’s website - Approval is based on your credit profile and is not controlled by SimpleDirect - Your credit limit is determined by the bank or credit union, and you’ll find out once you're approved - Pay off the balance during the promotional period (if applicable) to avoid interest ✅ Is a Credit Card Right for You? Credit cards can be a great financing option when: - Your project cost is manageable - You can pay it off in 12–18 months - You want flexibility and possible rewards - Your contractor accepts credit card payments Need help comparing your credit card and loan options? Reach out anytime—we’re here to help you make the best decision for your home and your budget.