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Home Renovation Financing

Home improvement financing with $0 down. That's Benji.

A simple, straightforward path to your dream project with fast, in-home approvals. Apply with your contractor, and get your project started today.

Check your eligibility, commitment free.

Here's how it works:

1. Plan your project.

This is the fun part. And the more planning you do, the smoother your project will be. From upgraded windows and doors to a full kitchen remodel, planning is everything. Consider your budget and let your imagination do the rest.

2. Pair with a contractor.

Use our search tool to find contractors near you. Once you choose a contractor, they’ll help with your Benji application. Already have a contractor? No problem. They can register with us to get your project financed and underway. And remember that with Benji, the contractor is not paid until you’ve signed off that the project has been completed.

3. Apply for Benji.

This part is easy. Complete an online application with your contractor in the comfort of your own home, and get your results in minutes. Explore financing options with multiple term lengths and calculate payments without affecting your credit.1 Get your project started with $0 down, and no interest - no payment plans up to 18 months.2

1No hard credit check required to receive pre-approvals or calculate terms and payments. Benji hard credit check occurs after terms are selected before financing documents can be signed. LendingPoint™ hard credit check occurs after financing documents have been signed.

2 No payments are required during the special financing period following project completion. Thereafter, substantially equal monthly payments are required for the remainder of the financing term (60 months) or until the unpaid balance of the amount financed is paid in full. Interest will accrue during the promotional period, but will be waived if the amount financed is paid in full prior to the expiration of the special financing period. Benji special financing plans not available in some states.

solar panel system financing
Apply with a contractor, and get your project started.
I’m looking for a contractor that does:
  • Any Project Type
  • Heating & Cooling
  • Roofing
  • Windows & Doors
  • Solar
  • Remodeling
  • Landscaping
  • Plumbing & Water Heating
  • Pool Equipment
  • Insulation
  • Hurricane Protection
  • Lighting & Fans
  • Electrical Vehicle Charging Station
  • Advanced Energy Storage
  • Wind Energy
  • Fuel Cell
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We're here for you, even after your project is done.

Have questions or need help setting up online payments? Rest assured, we’re here to assist you. With our dedicated support team a phone call away, you can focus on enjoying your newly-improved home.

Get Support
Check your eligibility, commitment free.

Finance of America Home Improvement is a division of Finance of America Mortgage LLC | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 1 West Elm Street, Suite 450, Conshohocken, PA 19428 | Rhode Island Licensed Lender | Loans made or arranged pursuant to a California Finance Lenders Law License #603E024 | Finance of America Home Improvement does business as Finance of America Mortgage LLC in Nevada and New York.

Finance of America Home Improvement is not affiliated with and does not endorse any home improvement contractor. Benji© refers to non-mortgage lending products for home improvement. Finance of America Home Improvement does not offer the mortgage products available through Finance of America Mortgage LLC and no mortgage loan applications can be accepted through this site. For information about mortgage products, please visit www.foamortgage.com and see www.foamortgage.com/licensing for complete licensing information.

Complaints? Email us at customerrelations@financeofamerica.com