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Helpful answers to frequently asked questions.

Apply for Benji through a contractor who is part of the Finance of America Home Improvement network. Applications are accepted through the online application, mobile application or with the assistance of a Benji customer service representative. Contact a representative at 844-GO-BENJI.

Learn More About Benji

Any home improvement is eligible as long as it is permanently affixed to the home.

No, there are no application fees for Benji.

Your first Benji payment will be due 30 days after your project is complete, unless you have chosen a Special Financing plan. Benji Special Financing plans do not require any payments for a pre-designated promotional period. If the balance is paid in full before the end of the Special Financing promotional period, all interest will be waived. If the promotional period expires and the balance is not paid in full, the remaining balance, including any accrued interest, will be repaid in monthly payments over the remainder of the term.

Browse our network of registered contractors by specialization and location by using our find-a-contractor search feature.

Find a contractor

No, only contractors registered and in good standing with Finance of America Home Improvement can install products financed through Benji. Each state has different qualification requirements in order to register with Finance of America Home Improvement. If you have a contractor for your project, they can register with us to finance your project with Benji.

About Benji

What is Benji?

Benji is a home improvement financing option from Finance of America Home Improvement. You can use it to finance nearly any home upgrade. It’s only offered to homeowners by contractors who are part of the Finance of America Home Improvement network.

How do I apply for Benji financing?
Apply for Benji through a contractor who is part of the Finance of America Home Improvement network. Applications are accepted through the online application, mobile application or with the assistance of a Benji customer service representative. Contact a representative at 844-GO-BENJI.
Are all contractors qualified to install products financed through Benji?
No, only contractors registered and in good standing with Finance of America Home Improvement can install products financed through Benji. Each state has different qualification requirements in order to register with Finance of America Home Improvement. Contractors can determine applicable eligibility requirements on our contractor page.
Do I need to obtain a building permit?
If your city or county has building permit requirements, both you and your contractor are responsible for obtaining all necessary permits and completing inspections, including final inspection sign-off from the appropriate city or county building department. You should speak with your contractor for further information.

Benji Financing Interest Rates & Costs

Are there application fees for Benji?

No, there are no application fees for Benji.

When is my first Benji payment due?
Your first Benji payment will be due 30 days after your project is complete, unless you have chosen the Special Financing plan.
What is Benji Special Financing?
Benji Special Financing plans do not require any payments for a pre-designated promotional period. If the balance is paid in full before the end of the Special Financing promotional period, all interest will be waived. If the promotional period expires and the balance is not paid in full, the remaining balance, including any accrued interest, will be repaid in monthly payments over the remainder of the term.
How will I know my financing amount, APR and payment information?
Your retail installment contract provides this information. After approval, Benji will email your retail installment contract to you. Your retail installment contract contains all information about your financing, including your Federal Truth in Lending disclosure. You can call 844-GO-BENJI with any questions you have about your financing or terms of payment.
How can I make a payment on my Benji account?

You can schedule automatic payments or pay in one of these three easy ways:

  1. Online: Visit our Benji resources page
  2. By Phone: (844) GO-BENJI
  3. Mail a Check: Make checks payable to "Finance of America Home Improvement".

    Finance of America Home Improvement
    PO Box 29352
    Phoenix, AZ 85038-9352
Can I schedule an automatic payment for a future date?
Yes, the easiest way to never miss a payment is to sign up for Benji Automatic Payments. You can call or mail in your authorization to have monthly payments automatically deducted from your bank account each month.
Is there a prepayment penalty for Benji financing?
No, Benji does not charge any fees to pay off your balance early.
Is there a late payment fee for Benji financing?

Yes, your retail installment contract provides information about the specific fees applicable to your financing.

Applying

How do I apply for Benji financing?

Apply for Benji through a contractor who is part of the Finance of America Home Improvement network. Applications are accepted through the online application, mobile application or with the assistance of a Benji customer service representative. Contact a representative at 844-GO-BENJI.

Check eligibility
How do I find a contractor that is registered with Finance of America Home Improvement?

Browse our network of registered contractors by specialization and location by using our find-a-contractor search feature.

Find a contractor
Are all contractors qualified to install products financed with Benji?

No, only contractors registered and in good standing with Finance of America Home Improvement can install products financed through Benji. Each state has different qualification requirements in order to register with Finance of America Home Improvement. If you have a contractor for your project, they can register with us to finance your project with Benji.

What’s required for a contractor to register with Finance of America Home Improvement?

To register with Finance of America Home Improvement, contractors must provide the following information:

  1. Valid IRS W-9.
  2. Proof of insurance documentation, including, but not limited to, meeting all general liability, bonding and workers compensation insurance requirements for the state’s contractor licensing board or local equivalent (limits may vary by state).
  3. Valid/active contractor’s license when a statewide licensing board is present. In the absence of a statewide licensing board, the contractor must provide valid business and/or trade license(s) for the cities and counties the contractor does business in, if required.
  4. Company address, Federal Employer Identification Number (EIN), and tax classification (such as sole proprietor, LLC, etc.). This information must match what is on the W-9, insurance documents, contractor license and/or business licenses.
  5. Signed Finance of America Home Improvement Registered Contractor Participation Agreement
  6. Successful identification verification or uploaded government-issued identification such as a license, passport, etc.

Additional contractor requirements may vary by state or region. Finance of America Home Improvement will conduct a due diligence review of the items provided and inform the contractor of approval or next steps.

After registering with us, all contractors and all individuals who perform services for registered contractors in connection with Finance of America Home Improvement’s financing products must do the following:

  1. Adhere to our Code of Conduct, which is designed to support and guide you as you work with us,
  2. Comply with our contractor Terms and Conditions,
  3. Act responsibly and professionally when offering financing to interested homeowners,
  4. Complete a training course on some of our most important compliance expectations.

Eligible Upgrades with Benji Financing

What improvements can be funded using Benji financing?

Any home improvement is eligible as long as it is permanently affixed to the home.

Can a mobile home/manufactured home qualify for Benji?

Mobile or manufactured homes are eligible for Benji if the mobile home is either permanently attached to land or if the home is part of a mobile home community.

Who may install products financed using Benji financing?

Only contractors that have registered with Finance of America Home Improvement and are in good standing may provide Benji financing. Contractors must adhere to all state and local licensing requirements. Homeowners may not install their own Benji-financed products.

Find a contractor

Finance of America Home Improvement is a division of Finance of America Mortgage LLC | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 1 West Elm Street, First Floor, 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