Project cost versus monthly payment, by trade
Questions to help you compare written offers and prepare for a conversation with the provider.
Compare the project price and the full financing cost
Begin with an itemized project quote
Ask the contractor to identify the work, materials, payment milestones, and how changes will be priced. A generic project estimate cannot establish the price of your own work.
Request the actual financing terms
Compare the offered APR, repayment term, fees, monthly payment, and total borrowing cost. Confirm whether the payment or rate can change.
Keep illustrations separate from offers
A calculator can help you explore assumptions. It does not confirm eligibility, product availability, or an approved loan. Check every assumption against the written offer.
Confirm the payment schedule
Ask when funds will reach the contractor and what happens if work is delayed or cancelled.
Try the project financing calculator, then use the home improvement checklist to prepare questions.
Talk it through with a real person.
Every situation is different. Tell us where you are and we will walk you through the options that actually fit — no obligation, no pressure.