Estimate Your Monthly Payment
Slide to match your project size and see roughly what you'd pay.
$489
estimated per month
Estimate only. Actual rate and payment depend on the lender and your credit profile. A $225/window Avista rebate (WA, existing homes) can reduce your financed amount.
Which option is right for you?
Most window projects run $15K–$30K. Here's the quickest way to find your best fit.
Most people start here: a personal loanFixed monthly payment, no home equity needed, money in 1–3 days, and amounts up to $100K. The simplest fit for a full project. See loan options ↓
Own your home with equity? A HELOC usually wins on rateLowest rates available, ideal for $30K+ or whole-home projects. Takes a bit longer to fund. See HELOC options ↓
Smaller job, or want 0% interest? Consider a cardBest for smaller projects or as a 0% supplement alongside another option. Card limits often land around $5K–$15K, so a single card may not cover a full project. See 0% card options ↓
Option 1 · Most popular for $15K–$30K
Personal Loans
Fixed monthly payment, no home equity required, funded in 1–3 days, amounts up to $100K. The best all-around fit for most window projects — start here if you're not sure.
Lowest Rates
LightStream
Lowest APRs for strong credit, up to $100K, rate-beat guarantee. Note: hard pull at application (no soft prequal).
6.74–20.94% APR$5K–$100KMin. 6602–12 yr
Best for Larger Projects
SoFi
Up to $100K, no fees, same-day funding possible. Ideal for the full $30K range.
8.99–29.99% APR$5K–$100KMin. 6802–7 yr
Highest Approval Odds
Upstart
AI underwriting looks at income & education, not just score — approves many who get declined elsewhere. Soft-pull prequalification.
6.70–35.99% APR$1K–$50KNo min.3–5 yr
Best for Fair Credit
Upgrade
Works with scores from 580, up to $50K. Soft-pull prequalification.
7.74–35.99% APR$1K–$50KMin. 5802–7 yr
LendingClub
Joint applications allowed — add a co-borrower to qualify for more or a better rate. Soft-pull prequalification.
8.91–35.99% APR$1K–$40KMin. 6002–5 yr
Best Egg
Fast funding, up to $50K, good for self-employed borrowers. Soft-pull prequalification.
7.99–35.99% APR$2K–$50KMin. 6003–5 yr
Option 2 · Lowest rates if you own your home
Home Equity (HELOC)
If you have equity in your home, this usually beats every other option on rate. Trade-off: it's secured by your home and takes longer to fund (2–6 weeks). Best for larger projects or whole-home window replacement.
Best for Self-Employed
Truss Financial Group
No tax returns required, interest-only payment options, fast funding. Great if you're self-employed or have hard-to-document income.
Competitive ratesNo-doc optionsHome equity
Fastest Online Funding
Figure
Fully online HELOC, funding in as little as 5 days. Soft-pull prequalification.
From ~7% APR$15K–$400KMin. 640
Best Local Rate
STCU (Spokane Teachers Credit Union)
Local Inland NW credit union, covers most HELOC fees, fixed-rate advances from 6.74% APR. Membership open to anyone who lives or works in the area.
From 6.74% APRFees coveredMin. 680 (promo)
Bankrate — HELOC Rate Comparison
Compare current HELOC rates from multiple lenders in one place.
Compare ratesMultiple lenders
Option 3 · Best for smaller jobs or a 0% supplement
0% Intro APR Cards
Great for smaller projects, or alongside another option to cover part of the cost interest-free. Heads up: card limits are set by the issuer and often land around $5K–$15K, so a single card may not cover a full $15K–$30K project on its own. After the 0% intro period ends, standard rates (~17–28%) apply — plan to clear the balance before then.
✓ Check first — no impact to your credit score (soft pull)
Longest 0% Window
Wells Fargo Reflect® Card
0% intro APR for 21 months on purchases — the longest on the market. Check pre-qualified offers with no credit impact.
0% for 21 months$0 annual feeGood credit (670+)
Easy Pre-Approval
Discover it® Cash Back
0% intro APR for 15 months on purchases, plus cash back. Pre-approval check is soft-pull and won't affect your score.
0% for 15 months$0 annual feeGood credit
Apply directly — trusted brand cards (note: applying is a hard pull and may temporarily lower your score a few points)
American Express
0% intro APR cards (e.g. Blue Cash Everyday®, Cash Magnet®) with strong rewards. Amex applies with a hard pull.
0% intro APRRewardsGood–excellent credit
Citi
Long 0% intro offers (e.g. Citi Simplicity®, Citi Diamond Preferred®). Citi applies with a hard pull.
0% intro APRUp to 21 mo (varies)Good–excellent credit
Chase Freedom Unlimited®
0% intro APR for 15 months on purchases, plus cash back. Chase applies with a hard pull.
0% for 15 months$0 annual feeGood–excellent credit
How This Works
1
Pick an option aboveEach link goes straight to that lender's or marketplace's page. Takes about 2 minutes.
2
See your real rateMost personal loans and the soft-pull cards let you check with no credit impact. A few options (LightStream, and the brand-name cards from Amex, Citi, and Chase) use a hard pull at application — those are labeled clearly above.
3
Choose and get fundedAccept your best offer. Personal loans fund in 1–3 days; HELOCs take 2–6 weeks.
4
Call us to schedule installLet us know you're approved and we'll lock in your project date — no high-pressure sales.