Your home is the biggest investment you’ll make. Not just for yourself, but your family’s future as well. Ensuring it’s protected properly is a key part of ensuring your investment lasts.
One of the key elements to a properly protected home is a properly installed exterior: Both siding and roofing are critical to keeping elements like rain and snow out of your home — and keeping your property looking its best
However, the projects can get pricey very quickly.
Here at Pacific Exteriors LLC, we know our bids can be higher right off the bat because we always use sturdy, high-quality materials, and hire only the best crews. But even for other home improvement companies, pricing and affordability is an intimidating part of the process to talk about.
So regardless of which siding contractor near you fits your home and budget the best, let Pacific Exteriors LLC explain to you why siding contractors that offer financing can be your ticket to a future-proofed home, inside and out.
We Understand Siding Replacements are a Financial Commitment
Many of our own employees are proud homeowners. Combined with their experience of siding and siding-related work, they also understand the anxieties a homeowner may have regarding an unexpected home-related cost.
We’re on your side here. And by offering a variety of financing options for something as necessary as a siding replacement, we can save homeowners money in the long run by protecting their home in the present.
Every Contractor Offers Different Things; Pacific Exteriors Offers 0% Down
Again, specific financing options will vary depending on your siding contractor. Here at Pacific Exteriors, we offer plans through two lenders: EnerBank USA and Greensky. The financing options for your siding installation project may differ depending on what you qualify for, which is what we’ll walk you through.
GreenSky: Flexible Financing and 0% Interest Offers
Here is a summary of the financing options we offer through Greensky. Disclaimer: Prices and interest rates are subject to change and the ones written here are updated as of Dec. 2025, with plan offerings changing depending on approval of client’s credit and financial history.
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GreenSky Best Choice
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GreenSky Most Common
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GreenSky Most Affordable Upfront
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Description
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12 months of payments with 0% interest.
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5-year monthly payment with 7.99% interest.
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15-year plan with 9.99% interest.
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What It Means For You
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Your payment will be split into 12 payments across 12 months with 0% interest rates.
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Your payment will be split across 60 payments (5 years x 12 months) and a 7.99% interest fee will be placed on the initial payment sum and added to your monthly payments.
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Your payment will be split up across 180 payments (15 years x 12 months) and a 9.99% interest fee will be placed on the initial payment sum and added toward monthly payments.
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Which plan you qualify for depends on your credit and financial history, but these are the three most popular options Pacific Exteriors offers through GreenSky.
EnerBank USA: The 12-Year Plan with a Flat Interest Rate
Another popular plan we offer here is through a different lender, EnerBank. At a 12-year plan with a 9.99% interest rate, it falls nicely between the second and third Greensky plan options.
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EnerBank
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Description
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12-year plan with 9.99% interest rate.
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What It Means for You
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Your payment will be split across 18 payments (15 years x 12 months) and a 9.99% interest fee is added to these monthly payments.
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However, because of GreenSky’s flexible and 0% interest payment plans, homeowners that qualify for both will usually opt for GreenSky.
How Do I Qualify For a Home Improvement Loan?
The qualify process starts with you, but we’re here with answers every step of the way.
Generally, after you decide to sign the contract for your siding or roof replacement project with us, we’ll send you the necessary forms to fill out for your financing application—both to Greensky and EnerBank USA.
Here’s how it’ll go:
- Signing your contract! Thanks for trusting us with your siding replacement project, we’re very excited to get started.
- You receive an email from us with financing options. Take your time to look through them and decide which one fits your budget the best.
- When you’ve processed your financing option, the project will start! If you’re curious to know what that will look like, check out this blog article on what the whole process—from start to finish—is from a customer’s perspective.
Financing is the Biggest Hurdle
To many homeowners, seeing the ticket price of a siding replacement dissuades them from pursuing a necessary and sometimes urgent project.
And it’s true—these numbers and options can seem intimidating. But we want to reassure you: there’s nothing to fear. Your estimator will walk you through each of your financing options at your appointment, and upon signing we have an excellent accounting team available to answer any questions you may have regarding your payment and financing options.
Lastly, if you have any questions, always reach out to our call line or drop us a response in the form. We’re happy to help!
