Compare Home Improvement Financing Options

Compare home improvement financing. We make it easy.

Financial considerations

When financing is the option of choice, you need to consider interest rates, fees, payment terms, and more. Renew Financial helps you comparison shop — no sweat.

PACE financing is subject to credit approval. Underwriting requirements and restrictions apply. PACE financing is secured by a lien on the subject property and may be required to be repaid upon refinance or sale. Homeowners should perform due diligence before selecting a home improvement contractor. PACE financing is private financing that must be repaid in full. PACE financing is not a government subsidy.
Kids admiring plants in their home.

PACE vs Unsecured Loans

Considering an unsecured loan? Be sure to check the repayment terms. PACE offers terms up to 30 years, leading to lower monthly payments. With no FICO requirements and no impact to your credit, PACE is hard to beat.
A couple snuggling in their comfortable home.

PACE vs. Home Equity Loan

Home Equity Loans typically have shorter terms than PACE, which leads to higher monthly payments. They also require a FICO score of 620 or higher. For longer terms with no FICO requirement, PACE is a great option.
Mother playing in her yard with her kids.

PACE vs Credit Cards

Credit card rates can be very high, making home improvements more expensive as you pay off debt. PACE offers lower rates, same day approvals and up to $250K in funding... a great financing choice for home improvements!
Mother and daughter happily chatting in their comfortable home.


A Home Equity Line of Credit can take a month or longer for approval and has variable rates, which have been on the rise. PACE is often approved in minutes and rates are always fixed, providing long term peace of mind.

PACE financing blog highlights

Top 10 Benefits of PACE Financing
Top 10 Benefits of PACE Financing
Thousands of homeowners are taking advantage of the Property Assessed Clean Energy ("PACE") financing program from Re
Monday, July 20, 2020
Increase Home Health with a Whole Home Approach
Increase Home Health with a Whole Home Approach
The Environmental Protection Agency estimates that the average American spends 90% of their
Friday, July 24, 2020