Choosing to invest in your home doesn’t have to mean breaking the bank. We make it easy to finance your landscaping or outdoor living project so you can enjoy affordable monthly payments. Browse our selection of financing options below or speak with an Install-It-Direct team member today to learn more!

Financing Programs

EnerBankUSA

Same-As-Cash Loan
Have cash on hand or need temporary financing while waiting for a rebate, bonus, or incentive payment? Finance your Install-It-Direct project with a 6, 12, 18 or 24 month same-as-cash loan from EnerBankUSA.

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6 Month
Same-As-Cash*

No payments, No interest for 6 months

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment terms vary from 24 to 132 months. Interest waiver if repaid in 365 days. 18.58% fixed APR, effective as of May 1, 2019, subject to change. Interest starts accruing when the loan closes.

12 Month
Same-As-Cash*

No payments, No interest for 12 months

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment terms vary from 24 to 132 months. Interest waiver if repaid in 365 days. 18.58% fixed APR, effective as of May 1, 2019, subject to change. Interest starts accruing when the loan closes.

18 Month
Same-As-Cash*

No payments, No interest for 18 months

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment terms vary from 30 to 138 months. Interest waiver if repaid in 365 days. 18.58% fixed APR, effective as of May 1, 2019, subject to change. Interest starts accruing when the loan closes.

24 Month
Same-As-Cash*

No payments, No interest for 24 months

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment terms vary from 24 to 132 months. Interest waiver if repaid in 365 days. 18.58% fixed APR, effective as of May 1, 2019, subject to change. Interest starts accruing when the loan closes.

Reduced Interest Loan
Want to finance your project without dealing with outrageous interest rates? EnerBankUSA offers low, fixed interest rates without having to put your house up as collateral.

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6.99% APR

5 Year Loan*

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment term is 60 months. 6.99% fixed APR. Minimum loan amounts apply. The first monthly payment will be due 30 days after the loan closes.

6.99% APR

7 Year Loan*

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment term is 84 months. 6.99% fixed APR. Minimum loan amounts apply. The first monthly payment will be due 30 days after the loan closes.

6.99% APR

10 Year Loan*

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment term is 120 months. 6.99% fixed APR. Minimum loan amounts apply. The first monthly payment will be due 30 days after the loan closes.

6.99% APR

12 Year Loan*

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment term is 144 months. 6.99% fixed APR. Minimum loan amounts apply. The first monthly payment will be due 30 days after the loan closes.

9.99% APR

5 Year Loan*

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment term is 144 months. 9.99% fixed APR. Minimum loan amounts apply. The first monthly payment will be due 30 days after the loan closes.

9.99% APR

7 Year Loan*

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment term is 144 months. 9.99% fixed APR. Minimum loan amounts apply. The first monthly payment will be due 30 days after the loan closes.

9.99% APR

10 Year Loan*

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment term is 144 months. 9.99% fixed APR. Minimum loan amounts apply. The firstmonthly payment will be due 30 days after the loan closes.

9.99% APR

12 Year Loan*

*Loans provided by EnerBank USA, Member FDIC, (1245 Brickyard Rd., Suite 600, Salt Lake City, UT 84106) on approved credit, for a limited time. Repayment term is 144 months. 9.99% fixed APR. Minimum loan amounts apply. The first monthly payment will be due 30 days after the loan closes.

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Energy Efficient Equity

E3 partners with local governments to offer low cost financing that gets repaid through your property tax bill. The financing can be used for improvements that are good for the environment and save you money on your utility bills.

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4.99% APR

5 Year Loan*

*Property owner to pay 4.99% administrative expense, recording expense, interest before first payment, and reserve deposit. May be included in financing.

5.99% APR

10–15 Year Loan*

*Property owner to pay 4.99% administrative expense, recording expense, interest before first payment, and reserve deposit. May be included in financing.

6.99% APR

20–30 Year Loan*

*Property owner to pay 4.99% administrative expense, recording expense, interest before first payment, and reserve deposit. May be included in financing.



Renovate America

HERO Financing
HERO Financing approvals are based on home equity, debt payment history and household income – not your credit score. HERO covers the installation of artificial turf to lower water bills, reduce yard maintenance and increase property value, and is repaid through your property taxes.

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Lower your energy bills and improve your home with the HERO program.

*Property owner to pay 4.99% administrative expense, recording expense, interest before first payment, and reserve deposit. May be included in financing.

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YGrene

PACE Financing
YGrene offers PACE home improvement financing options with zero money down, no payments for up to a year, no minimum FICO score requirement, and bases eligibility on your home equity.

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7.25% APR

5 Year Loan

*With PACE, property owners can get 100% financing based on available equity in their property and ability to pay, among other factors. The amount financed, plus interest and any applicable fees, is then added to your property taxes and paid over time – on your annual or semi-annual property tax bill, or via escrow as part of your monthly mortgage payment. PACE financing is secured with a continuing lien on your property.

7.99% APR

10 Year Loan*

*With PACE, property owners can get 100% financing based on available equity in their property and ability to pay, among other factors. The amount financed, plus interest and any applicable fees, is then added to your property taxes and paid over time – on your annual or semi-annual property tax bill, or via escrow as part of your monthly mortgage payment. PACE financing is secured with a continuing lien on your property.

8.35% APR

15 Year Loan*

*With PACE, property owners can get 100% financing based on available equity in their property and ability to pay, among other factors. The amount financed, plus interest and any applicable fees, is then added to your property taxes and paid over time – on your annual or semi-annual property tax bill, or via escrow as part of your monthly mortgage payment. PACE financing is secured with a continuing lien on your property.

8.49% APR

20 Year Loan*

*With PACE, property owners can get 100% financing based on available equity in their property and ability to pay, among other factors. The amount financed, plus interest and any applicable fees, is then added to your property taxes and paid over time – on your annual or semi-annual property tax bill, or via escrow as part of your monthly mortgage payment. PACE financing is secured with a continuing lien on your property.

8.49% APR

30 Year Loan*

*With PACE, property owners can get 100% financing based on available equity in their property and ability to pay, among other factors. The amount financed, plus interest and any applicable fees, is then added to your property taxes and paid over time – on your annual or semi-annual property tax bill, or via escrow as part of your monthly mortgage payment. PACE financing is secured with a continuing lien on your property.

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Synchrony

Synchrony offers reduced APR with fixed payments to help you fit your project into your budget. Tell your Install-It-Direct team member if any of these options fit your needs!

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PLAN 300


  • Reduced 14.99% APR and fixed monthly payments equal to 2.00% of promo purchase amount – Until Paid in Full*
  • Estimated payoff period 79 months.

*Monthly interest will be charged on promo purchases from the purchase date at a reduced 14.99% APR, and fixed monthly payments are required equal to 2.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.

PLAN 301


  • Reduced 9.99% APR and fixed monthly payments equal to 4.00% of promo purchase amount – Until Paid in Full
  • Estimated payoff period 28 months.

*Monthly interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 4.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.

PLAN 302


  • No Monthly Interest if Paid in Full Within 6 months (Deferred Interest)*
  • Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full.

*No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within 6 months. If you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Depending on the purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promo purchase is paid in full.

PLAN 400


  • Reduced 9.99% APR and fixed monthly payments equal to 1.75% of promo purchase amount – Until Paid in Full
  • Estimated payoff period 78 months. See below for additional information.

Monthly interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 1.75% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.

PLAN 401


  • Reduced 7.99% APR and fixed monthly payments equal to 3.00% of promo purchase amount – Until Paid in Full
  • Estimated payoff period 38 months. See below for additional information.

Monthly interest will be charged on promo purchases from the purchase date at a reduced 7.99% APR, and fixed monthly payments are required equal to 3.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases

PLAN 402


  • Reduced 5.99% APR and fixed monthly payments equal to 4.00% of promo purchase amount – Until Paid in Full
  • Estimated payoff period 27 months. See below for additional information.

4Monthly interest will be charged on promo purchases from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required equal to 4.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.

PLAN 403


  • No Monthly Interest if Paid in Full Within 12 Months (Deferred Interest)
  • Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. See below for additional information.

No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 Months. If you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promo purchase is paid in full.

Plan 600


  • Reduced 9.99% APR and fixed monthly payments equal to 1.25% of promo
    purchase amount – Until Paid in Full
  • On purchases with your Synchrony Bank credit card. $29 account activation fee will apply. Estimated payoff period 132 months. See below for additional information.

Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 1.25% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Account Activation
Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

Plan 601


  • Reduced 7.99% APR and fixed monthly payments equal to 2.50% of promo
    purchase amount – Until Paid in Full
  • On purchases with your Synchrony Bank credit card. $29 account activation fee will apply. Estimated payoff period 47 months. See below for additional information.

Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases from the purchase date at a reduced 7.99% APR, and fixed monthly payments are required equal to 2.50% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Account Activation
Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

Plan 602


  • Reduced 5.99% APR and fixed monthly payments equal to 3.00% of promo
    purchase amount – Until Paid in Full
  • On purchases with your Synchrony Bank credit card. $29 account activation fee will apply. Estimated payoff period 37 months. See below for additional information.

Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required equal to 3.00% of initial promo purchase
amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

Plan 603


  • No Monthly Interest if Paid in Full Within 12 Months (Deferred Interest)
  • On purchases with your Synchrony Bank credit card. Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. $29 account activation fee will apply. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. See below for additional information.

Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 Months. If you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Depending on purchase
amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promo purchase is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval

Apply online or speak with one of our team members today to finance your Install-It-Direct landscaping or outdoor living project. We look forward to bringing your vision to life!